Business Cash Flow Calculator

Forecast Your Business Cash Flow, Ending Balance & Runway

Enter your starting cash, monthly inflows, and monthly expenses to estimate net cash flow and project your cash balance month-by-month. Add optional growth assumptions.

Calculator

Fill the required fields and click Calculate.

Starting cash balance

Cash in the bank today (or at the start of your plan).

Projection length

How far you want to forecast cash.

Start month (optional)

Used for month labels in your projection table.

Rounding

Monthly inflows

Money coming into the business during a typical month.

Sales receipts (monthly)

Cash received from customers this month (not booked revenue).

Other income (monthly)

Anything else coming in (refunds, credits, miscellaneous).

Monthly inflow growth (optional)

Example: 2% means inflows grow each month.

Seasonality (optional)

Adds a simple seasonal adjustment (editable in advanced).

Custom seasonality lift during 3 months

Applies for months 4–6 of your projection (simple, predictable). Keep at 0 if unsure.

Monthly outflows

Money going out during a typical month (operating costs + debt).

Payroll (monthly)

Rent & utilities (monthly)

Inventory / COGS cash paid (monthly)

Cash you actually pay for product/materials in a month.

Loan / financing payments (monthly)

Taxes (monthly estimate)

Other expenses (monthly)

Monthly expense growth (optional)

Example: 1% means expenses rise each month.

Target minimum cash buffer (optional)

Highlights months where ending cash dips below your buffer.

Fields marked with * are required to calculate.

Results

Estimates based on what you entered.

Estimated net cash flow (month 1)

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Total inflows (month 1) —

Total outflows (month 1) —

Ending cash (after projection) —

Lowest cash month —

Runway (if negative) —

Cash flow margin (month 1) —

Planning note:
This uses monthly totals and optional growth assumptions. If you have big collection delays (AR) or vendor terms (AP), adjust inflows/outflows to reflect timing.

Starting cash

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Net cash flow (month 1)

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Avg net cash flow

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Months projected

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Month	Inflows	Outflows	Net	Ending cash

Months where ending cash is below your buffer (if set) are highlighted.

DISCLAIMER: Estimates are for planning only and don’t account for every timing detail (AR/AP), one-time events, or irregular payments.

What is business cash flow?

Cash flow is the movement of cash into and out of your business bank account. Positive cash flow means you’re building cash; negative cash flow means you’re using cash to operate.

Why cash flow matters more than revenue

A business can be “growing” on paper while running out of cash. Forecasting helps you plan payroll, inventory, and financing needs before a cash crunch happens.

How to use this projection

Start with realistic monthly totals. Then add growth assumptions to stress test scenarios. If you collect invoices late (AR) or pay vendors on terms (AP), adjust your inflows/outflows to match timing.

Business Cash Flow Calculator FAQ

What does a business cash flow calculator do?

It estimates how much cash you generate (or burn) each month and projects your ending cash balance over time.

What’s the difference between profit and cash flow?

Profit includes accounting items that aren’t cash. Cash flow reflects when money actually enters/leaves your account.

What inputs do I need for accurate results?

Starting cash, monthly inflows, and monthly outflows. Add growth assumptions if you expect changes over time.

What is runway?

Runway is how long your current cash balance may last if your monthly net cash flow stays negative, typically measured in months.

How do growth assumptions work?

We apply your monthly growth rates to inflows and expenses to generate a compounding projection across months.

Does this include AR/AP timing?

This is a monthly totals planning tool. If timing is critical, adjust your inflows/outflows to reflect collection and payment delays.

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