Free Cash Flow Calculator
Last updated: June 2026 · Free · No sign-up required
Enter values above and click Calculate to see your result instantly.
What the Free Cash Flow Calculator does
Every result on this page comes from a real formula — FCF = Operating cash flow − Capital expenditures — computed live in your browser the moment you press the button.
Scroll past the calculator for a quick-reference table, a step-by-step methodology with a fully worked example, and answers to the questions people most often ask about free cash flow calculator.
Quick reference
| OCF | CapEx | FCF |
|---|---|---|
| $500,000 | $120,000 | $380,000 |
| $1.0M | $400,000 | $600,000 |
| $2.5M | $3.0M | −$500,000 |
savings Plan with confidence
Finance decisions get a lot easier when you can see the full picture. Enter your numbers above to see total payments, interest paid, and the long-term cost of every choice — so you can compare options side by side before signing anything.
percent How the math works
We use the standard amortization, compound-interest and present-value formulas published by the Consumer Financial Protection Bureau and the Federal Reserve. The methodology block below shows every variable and rounding step we apply, so the answer is never a black box.
shield_lock Your data stays private
Every calculation happens in your browser with JavaScript — your income, balances, and loan numbers are never sent to our servers, logged, or shared. Close the tab and the inputs vanish. No sign-up, no tracking pixels on the form, no spreadsheet emailed to you later.
lightbulb Pro tip
Save the URL after you calculate — your inputs aren't stored, so write down the headline number plus the breakdown. Then come back and edit one variable at a time (down payment, rate, term) to see exactly which lever moves your monthly figure the most. That's where the real planning happens.
Interpretation guide
| FCF result | Reading |
|---|---|
| Strongly positive | Self-funding — can pay debt, dividends, buybacks |
| Near zero | Reinvesting everything — fine if growth follows |
| Negative | Burning cash — needs financing; common for startups |
Formula & methodology
Formula: FCF = Operating cash flow − Capital expenditures
- Take “net cash from operating activities” from the cash-flow statement.
- Take capital expenditures (“purchases of property, plant and equipment”) from the investing section.
- Subtract: what remains is cash free for debt, dividends, buybacks or acquisitions.
Example: OCF $500,000 − CapEx $120,000 = FCF $380,000, a 76% conversion of operating cash.