Cash Flow Calculator
Is your business cash flow positive? This calculator projects your monthly cash flow — money in minus money out — to show when you'll run out of cash or when you can invest.
Business Cash Flow Calculator
Project your monthly cash flow and identify potential shortfalls
Disclaimer: Simple cash flow projection assuming constant monthly income and expenses. One time expenses are applied in Month 1. Does not account for seasonal variations, tax payments, loan payments, or accounts receivable timing. Use for planning purposes only.
Advertisement
Smart Budget Planning for Your Business
Track every dollar of your business income and expenses with a dynamic Google Sheets budget planner. Automated insights, interactive dashboard, and full history tracking.
Affiliate link — we earn a commission at no cost to you. We only recommend products we trust.
Frequently Asked Questions
How do I calculate business cash flow?+
Cash flow = Cash inflows − Cash outflows for the period. Monthly: revenue received + loans − expenses paid − debt payments − taxes. Positive cash flow = growing bank balance. Negative = shrinking. Track weekly for best visibility.
What is a healthy cash flow for a small business?+
Positive cash flow every month, with 2-3 months of expenses in reserve. Your cash flow margin (cash flow ÷ revenue) should be 10-20%+. Below 5% is concerning — one bad month could be catastrophic. Above 30% gives you flexibility to invest and weather downturns.
How do I improve cash flow quickly?+
Quick wins: (1) Invoice immediately and offer 2% discounts for early payment. (2) Negotiate longer payment terms with suppliers (net 45-60). (3) Reduce inventory levels. (4) Offer prepayment discounts to customers. (5) Use a business line of credit for short-term gaps.
How do I calculate business cash flow?
Cash flow = Cash inflows − Cash outflows for the period. Monthly: revenue received + loans − expenses paid − debt payments − taxes. Positive cash flow = growing bank balance. Negative = shrinking. Track weekly for best visibility.
Related Free Calculators
Break-Even Calculator
How many units do you need to sell to break even? This calculator tells you the exact sales volume needed to cover all fixed and variable costs — so you know if your business idea is viable.
Startup Runway Calculator
How many months can you survive before running out of money? This calculator shows your runway in months — and how many more months you gain by cutting costs or increasing revenue.
Business Profit Margin Calculator
What's your actual profit margin? This calculator shows gross, operating, and net margins — so you know exactly where your money is going and where to optimize.
Business Debt Payoff Calculator
Business debt doesn't have to keep you up at night. This calculator shows you the fastest payoff strategy — avalanche vs. snowball — with a month-by-month schedule.
SaaS Metrics Calculator
Running a SaaS business? This calculator tracks MRR, ARR, churn, LTV, CAC, and payback period — the metrics that determine whether your SaaS is investable.
Customer Acquisition Cost Calculator
How much does it cost to acquire a new customer? This calculator shows your CAC across different marketing channels — and whether you're spending profitably.