Business Cash Flow Calculator
Project your monthly cash movements to prevent shortfalls. See when cash gets tight and plan accordingly.
How the Business Cash Flow Calculator works
Enter starting cash, expected revenue timing, expenses, and payment terms. See month-by-month cash position and identify potential shortfalls.
Profitable businesses fail from cash crunches. This calculator projects your cash position monthly so you can prevent shortfalls before they happen.
How it works
Tutorial
Profitable businesses fail when they run out of cash. Revenue and profit don’t pay bills-cash does. You need to know when money comes in versus when expenses go out, and plan for gaps before they become crises.
This calculator helps you project monthly cash flow so you can see problems coming. You’ll know which months you’ll be tight on cash, when you need a credit line, and whether you can afford planned expenses.
How Cash Flow Works
| Item | Formula |
|---|---|
| Starting Cash | Last month’s ending balance |
| Money In | Customer payments collected this month |
| Money Out | All expenses paid this month |
| Ending Cash | Starting + Money In – Money Out |
Example: Monthly Cash Flow Projection
Step 1: Start with Beginning Cash
| Item | Amount |
|---|---|
| Cash in Bank | $45,000 |
| Available Credit Line | $25,000 |
| Total Available | $70,000 |
Step 2: Calculate Money Coming In
| Source | Amount |
|---|---|
| Customer Payments This Month | $82,000 |
| Collections from Previous Months | $18,000 |
| Other Income | $3,000 |
| Total Money In | $103,000 |
Step 3: Calculate Money Going Out
| Expense | Amount |
|---|---|
| Operating Expenses | $65,000 |
| Payroll | $28,000 |
| Loan Payment | $5,000 |
| Total Money Out | $98,000 |
Step 4: Calculate Ending Cash Position
| Item | Amount |
|---|---|
| Starting Cash | $45,000 |
| Add Money In | +$103,000 |
| Subtract Money Out | -$98,000 |
| Ending Cash | $50,000 |
| Cash Change | +$5,000 |
What This Means
You generated $5,000 positive cash this month. Your position improved from $45,000 to $50,000. This is healthy.
Key insights to track:
– If ending cash drops below $20,000, you’re getting tight
– Project 3-6 months ahead to see problems coming
– High revenue months don’t always mean high cash months (timing matters)
– Know your minimum safe cash balance
When to Worry
Watch for these warning signs:
– Ending cash decreasing for 2+ months in a row
– Cash getting below 1 month of operating expenses
– Relying on credit lines to cover regular expenses
– Delaying vendor payments to make payroll
Fix cash problems by: collecting receivables faster, negotiating longer payment terms with vendors, reducing inventory, or arranging a credit line before you need it.
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