The cash flow view brings your income and expenses together so you can see how much you're saving (or spending beyond your means) each month.
What is cash flow?
Cash flow is simply your income after tax minus your expenses. If positive, you're saving money. If negative, you're spending more than you earn.
Reading your cash flow
JettWorth calculates cash flow from the income streams and expenses you've entered:
- Gross income — total income before tax
- Tax and deductions — income tax, Medicare levy, HECS repayments
- Take-home pay — what lands in your bank account
- Total expenses — your monthly spending
- Monthly surplus (or shortfall) — what's left over
Why cash flow matters
Your monthly surplus is the money available to invest, pay down debt, or build an emergency fund. It's the engine behind your net worth growth.
In projections, JettWorth uses your surplus to grow your investment portfolio year over year. A higher surplus means faster progress toward financial milestones — and an earlier FI date.
Improving your cash flow
There are two levers:
- Increase income — negotiate a raise, start a side income stream, or invest for passive income
- Reduce expenses — audit subscriptions, refinance your mortgage, cut discretionary spending
Even small improvements compound significantly over a 10 or 20-year projection. Try toggling assumptions in the projection settings to see the impact of each lever.
Tip: Review your cash flow after each snapshot. If expenses have crept up, your projection will show the impact immediately.