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.
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.