The Windows task manager has a separate field called "Available". Right now I have 8190 MB total, 3627 cached, 4151 Available, and 537 free (not sure if that adds up perfectly, it was changing while I typed it).
OSX's activity monitor does something similar, it has 4 statuses: Wired, Active, Inactive and Free.
Wired and Active are basically the RAM being used (Wired is a special activity status for stuff which can not be moved to disk), Inactive is the cache (generally programs which were used recently) and Free is… well, free.
When checking used/free, Inactive and Free count towards free, Wired and Active towards used (though that's not always consistent).