Modelling the urban water balance enables the understanding of the interactions of water within an urban area and allows for better management of water resources. However, few models today provide a comprehensive overview of all water sources and uses. The objective of the current paper was to develop a user-friendly tool that quantifies and visualizes all water flows, losses and inefficiencies in urban environments. The Urban Water Flow Model was implemented in a spreadsheet and includes a water-savings application that computes the contributions of user-selected saving options to the overall water balance. The model was applied to the coastal town of Limassol, Cyprus, for the hydrologic years 2003/04-2008/09. Data were collected from the different authorities and hydrologic equations and estimations were added to complete the balance. Average precipitation was 363 mm/yr, amounting to 25.4 × 10(6)m(3)/yr, more than double the annual potable water supply to the town. Surface runoff constituted 29.6% of all outflows, while evapotranspiration from impervious areas was 21.6%. Possible potable water savings for 2008/09 were estimated at 5.3 × 10(3) m(3), which is 50% of the total potable water provided to the area. This saving would also result in a 6% reduction of surface runoff.