Business tools
Cash Flow Calculator
Estimate business cash movement for one period or build a simple monthly cash flow projection.
Use the same currency throughout. This planning calculator does not convert currencies.
The calculation runs locally in your browser. No input values are saved or sent to a server.
Estimate cash movement for one period or project it month by month.
Monthly projection example
With $10,000 starting cash, three months of inflows and outflows can show how balances roll forward and when a projected shortfall may occur.
About this calculator
Cash inflows, outflows and net cash flow
Cash inflows are money entering the business. Cash outflows are money leaving it. Net cash flow is inflows minus outflows, and ending cash is beginning cash plus net cash flow.
Profit and cash flow are different
Profit and cash flow are not the same. A business can report profit while still experiencing cash pressure because cash receipts and payments may occur at different times.
Frequently asked questions
What does a negative projected cash balance mean?
It flags a period when the scenario has more cash going out than available cash and inflows. It is a planning warning, not a blocked calculation.
Is this a formal cash flow statement?
No. It is a simple planning calculator, not accounting software or a substitute for bookkeeping and accounting records.
For scenario planning only. This is not a formal cash flow statement, accounting software or financial advice, and it does not replace bookkeeping or accounting records.