Business · Free tool
Cash Flow Calculator
Project monthly operating cash flow with a constant inflow/outflow to see your closing balance over time.
100% free, no signup
Aligned with IRS guidance
Instant results in-browser
Reviewed by real accountants
The Calculator
Run the numbers
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$
$
| Month | Open | Net | Close |
|---|---|---|---|
| 1 | $20,000.00 | $5,000.00 | $25,000.00 |
| 2 | $25,000.00 | $5,000.00 | $30,000.00 |
| 3 | $30,000.00 | $5,000.00 | $35,000.00 |
| 4 | $35,000.00 | $5,000.00 | $40,000.00 |
| 5 | $40,000.00 | $5,000.00 | $45,000.00 |
| 6 | $45,000.00 | $5,000.00 | $50,000.00 |
How it works
Cash flow is not the same as profit. Profitable businesses go under all the time because timing of receivables, inventory, and debt payments starves the bank account. This tool models a simple steady-state, real forecasting layers in seasonality, A/R days, and capital investment.
Keep 3-6 months of operating cash on hand as a runway buffer.
Examples
Seasonal retailer
Cash surges in Q4, drops in Q1. Model both to size a line of credit.
Agency
Payroll every 2 weeks, client invoices net-30 → build 30 days of payroll into opening cash.
Frequently asked questions
Talk to an accountant about your numbers
Get a personalized review of your cash flow calculator results, no cost, no obligation.
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