Cash Flow Calculator
Add your income sources and expenses to see your net cash flow and ending balance for the period.
Cash inflows (income)
Cash outflows (expenses)
What is cash flow?
Cash flow is simply the money moving in and out of your business over a period - not the same as profit. A profitable business can still run into serious trouble if cash isn't arriving fast enough to cover what's going out.
How it's calculated
Net cash flow = Total Inflows minus Total Outflows. Ending balance = Starting Balance plus Net Cash Flow. A negative ending balance means you're projected to run short of cash for the period, even if the underlying business is healthy on paper.
Frequently asked questions
What should I include as cash inflows?
Only money you actually expect to receive during this period - payments from clients, loan proceeds, owner investments. Don't include invoices you've sent but haven't been paid for yet unless you're confident they'll arrive within the period.
Why does cash flow matter if I'm already profitable?
Because profit is recorded when work is invoiced, not when cash actually lands in your account. A business can be profitable on paper and still fail if it runs out of actual cash to pay its own bills while waiting to be paid.
What period should I calculate this for?
Monthly is most common for ongoing cash flow monitoring, but use whatever period matches how you plan - weekly for tight cash situations, quarterly for longer-term planning.