Loan Cash Flow Calculator

Keep enough set aside to cover your loan payments, see what's left to move, and what each transfer or payment costs you in fees.

Safe to move$19,000$25,000 available − $6,000 kept for 3 mo of $1,667 + cushion

Planned (incl. fees)$10,642$8,358 still free

Total fees$142.251.35% of what you move · 0.09 loan payments

Reserved for loanMovedFeesOver limitStill free

Your loan

Example numbers

Cash / credit available nowWhat you can draw from todayMonthly loan paymentYour required paymentMonths to keep in reservePayments you want covered no matter whatExtra cushionBuffer on top of the reserve

Pay off the balance before a 0% promo ends

Balance owedMonths left on 0% promo

Payoff pace needed$1,667/moHigher than your payment, so the reserve uses this

Transactions

Fees are added on top of each amount

DescriptionAmountMethodFee %Flat fee $

Costs $116.00 in fees (2.90%) · total out $4,116.00

DescriptionAmountMethodFee %Flat fee $

Costs $0.00 in fees (0.00%) · total out $5,000.00

DescriptionAmountMethodFee %Flat fee $

Costs $26.25 in fees (1.75%) · total out $1,526.25

Most you can move by method

Using everything that's safe, in one transaction

Method	Fee	Max you can send	Fee on that
ACH / bank transfer	Free	$19,000	$0.00
Wire transfer	$25.00	$18,975	$25.00
Card processing (Stripe/Square)	2.9% + $0.30	$18,464	$535.76
Pay bill by card (Plastiq-type)	2.9%	$18,465	$535.47
Credit card cash advance	5% (min $10)	$18,095	$904.76
Cash App / Venmo business	1.75%	$18,673	$326.78

Fee rates are typical starting points. Check your own processor, card issuer and bank, then edit the % and flat fee on each transaction to match.