The real cash left over.

Free Cash Flow (FCF) is cash available after operating expenses, taxes, and capital expenditures. For businesses, it's the truest measure of financial health - more reliable than accounting profit. For personal finance, FCF is income left after all regular outflows, available for investment or discretionary spending.

Revenue 500,000, operating expenses 300,000, taxes 30,000, capex 40,000, working capital change 10,000: operating cash flow 170,000, FCF 120,000, FCF margin 24%. Healthy businesses typically show 15-25% FCF margins; tech/software often 30-40%; capital-intensive industries 5-15%.

The tool works for personal cashflow too. Revenue = income. Operating expenses = living costs. Taxes = all tax paid. Capex = home improvements, major purchases. Working capital change = change in savings cushion. Result shows real discretionary cash - often different from what salary suggests.

Run it with sensible defaults

Using revenue of 500,000, operating expenses of 300,000, taxes paid of 30,000, capital expenditures of 40,000, the calculation works out to 120,000.00. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — Revenue (Annual), Operating Expenses, Taxes Paid, Capital Expenditures, and Working Capital Change — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

How the math works

Operating cash flow = revenue - operating expenses - taxes. FCF = OCF - capex - working capital change. Margin = FCF / revenue. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

What to do with a low result

A disappointing result is information, not a judgement. Pick the single input that dragged the figure down most and focus the next quarter on that one factor. Breadth-first improvement rarely works; depth-first on the worst input usually does.

What this doesn't capture

The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — doesn't appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.