The cumulative effects of changes in dissolved solids from a number of coal mines are needed to evaluate effects on downstream water use. A model for determining cumulative effects of streamflow, dissolved-solids concentration, and dissolved-solids load was calibrated for the Yampa River and its tributaries in northwestern Colorado. The model uses accounting principles. It establishes nodes on the stream system and sums water quantity and quality from node to node in the downstream direction. The model operates on a monthly time step for the study period that includes water years 1976 through 1981. Output is monthly mean streamflow, dissolved-solids concentration, and dissolved-solids load. Streamflow and dissolved-solids data from streamflow-gaging stations and other data-collection sites were used to define input data sets to initiate and to calibrate the model. The model was calibrated at four nodes and generally was within 10 percent of the observed values. The calibrated model can compute changes in dissolved-solids concentration or load resulting from the cumulative effects of new coal mines or the expansion of old coal mines in the Yampa River basin. (USGS)