Embodiments described herein include a system for dynamic real-time water-cut monitoring that includes a plurality of sensors for sensing pressure across a pipe that includes logic that causes the system to determine whether to use a direct approach for determining water-cut. In some embodiments, in response to determining not to use the direct approach, the logic causes the system to determine an initial guess for water-cut, estimate at least one dynamic pressure loss across the distance, estimate at least one potential energy pressure loss across the distance, estimate a value for water-cut from the at least one dynamic pressure loss and the at least one potential energy pressure loss, determine whether the initial guess is within a predetermined threshold of the value for water-cut, and in response to determining that the initial guess is within the predetermined threshold of the value for water-cut, output the value for water-cut.