Business Cash Flow Calculator
Cash flow is business oxygen. Project cash movements to avoid crunches and optimize working capital with comprehensive flow analysis.
How the Business Cash Flow Calculator works
Enter starting cash, revenue timing, expenses, and payment terms. Generate monthly cash flow projections, identify shortfalls, calculate working capital needs, and model different scenarios.
Profitable businesses fail from poor cash flow. This calculator prevents cash crunches by projecting flows, helping you manage the lifeblood of your business.
How it works
Tutorial
Cash flow is the lifeblood of business—profitable companies fail from poor cash management. Projecting monthly cash movements helps prevent shortfalls, optimize working capital, and make informed decisions about growth investments and financing needs.
You have two options: use the calculator above for automated monthly cash flow projections, or follow this guide to manually forecast your business cash flows.
The Formula
| Component | Formula |
|---|---|
| Beginning Cash | Previous Month Ending Balance |
| Cash Inflows | Collections + Other Income |
| Cash Outflows | Operating Expenses + Capital Purchases + Debt |
| Ending Cash | Beginning + Inflows – Outflows |
Step-by-Step Calculation
Here’s a monthly cash flow projection example.
Step 1: Start with Beginning Cash
Identify cash position at month start:
| Item | Amount |
|---|---|
| Beginning Cash Balance | $45,000 |
| Available Credit Line | $25,000 |
| Total Available | $70,000 |
Calculation: Starting position is $45,000 cash + $25,000 backup
Step 2: Calculate Cash Inflows
Project all money coming in during the month:
| Inflow Source | Amount |
|---|---|
| Customer Collections | $82,000 |
| Previous Month Receivables | $18,000 |
| Other Income | $3,000 |
| Total Inflows | $103,000 |
Calculation: $82,000 + $18,000 + $3,000 = $103,000
Step 3: Calculate Cash Position
Subtract all outflows to determine ending cash:
| Step | Calculation | Result |
|---|---|---|
| Beginning Cash | Starting balance | $45,000 |
| Add Inflows | $45,000 + $103,000 | $148,000 |
| Subtract Operating Expenses | $148,000 – $65,000 | $83,000 |
| Subtract Payroll | $83,000 – $28,000 | $55,000 |
| Subtract Debt Payment | $55,000 – $5,000 | $50,000 |
Final Answer: Ending cash balance is $50,000
What This Means
Ending with $50,000 shows positive cash generation this month. Projecting 3-6 months ahead reveals when cash might get tight, allowing you to arrange financing or adjust spending before problems occur.
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