money_with_wings Cash Flow Calculator
Track and forecast your business cash flow. Monitor money coming in and going out to ensure your business stays solvent and can meet its financial obligations.
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Frequently Asked Questions - Cash Flow Calculator
What is the difference between cash flow and profit?
Profit is an accounting concept that includes non-cash items like depreciation and accruals. Cash flow tracks actual money movement. A business can be profitable on paper but run out of cash if customers pay slowly or inventory ties up funds.
What are the three categories of cash flow?
Operating cash flow from core business activities, investing cash flow from buying or selling assets and investments, and financing cash flow from borrowing, repaying debt, issuing stock, or paying dividends. Together they show the full picture of money movement.
Why do startups often have negative cash flow?
Startups frequently invest heavily in growth, product development, and customer acquisition before reaching profitability. This creates negative cash flow in the short term, funded by investor capital or loans, with the expectation of future positive returns.
How can I improve my business cash flow?
Speed up receivables by offering early payment discounts, negotiate longer payment terms with suppliers, reduce inventory levels, cut unnecessary expenses, consider leasing instead of buying equipment, and maintain a cash reserve for seasonal fluctuations.
What is a cash flow statement and why is it important?
A cash flow statement is one of the three main financial statements. It shows exactly how cash moved in and out during a period. It reveals liquidity issues that the income statement may hide and helps lenders and investors assess the business health.
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