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Cash Flow calculator
Track your monthly cash flow and see how it changes in a best-case or worst-case scenario.
Cash Flow Pro Analytics
Strategic liquidity management and runway forecasting
Inflow Streams
$
$
Outflow Allocation
$
$
Net Monthly Cash Flow
$0.00
Positive Flow
Total Inflow
$0.00
Total Outflow
$0.00
Savings Rate
0%
Liquidity Insight
Analysis...
Profit on paper and cash in the bank are different things. This calculator tracks the actual movement of money through your business over a period — what comes in, what goes out, and whether the balance stays above water.
How to use this calculator
- Enter your starting cash balance.
- Add the cash you expect to receive: sales, payments from customers, other income.
- Add the cash going out: rent, wages, stock, tax, loan payments.
- Press calculate to see the net cash flow and the closing balance.
The shortfall warning sign
A negative month is not automatically a crisis — but two or three in a row, with the balance trending down, is the classic path to a cash crisis in otherwise profitable businesses. The fix usually starts with payment terms: invoice promptly, chase late payers, and negotiate supplier terms.
Frequently asked questions
How is cash flow different from profit?
Profit counts sales when they are earned; cash flow counts money when it actually moves. A profitable business can still run out of cash if customers pay late.
What is a good cash buffer?
Many small businesses aim for one to two months of running costs in reserve, more if income is seasonal or concentrated in a few customers.
Can I use this for personal cash flow?
Yes. Treat salary as cash in and living costs as cash out; the closing balance shows whether the month works.