Business Cash Flow Calculator
Forecast monthly operating, investing and financing cash flows and watch the closing balance.
Business Cash Flow Calculator
Operating activities
Investing activities
Financing activities
Closing Cash (end of period)
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Net Operating Cash Flow
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Net Investing Cash Flow
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Net Financing Cash Flow
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Lowest Closing Balance
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First Month Below Zero
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Monthly Cash Flow Statement
Assumptions & method
- Closing cash = opening cash + net operating + net investing + net financing cash flow, month by month. Each month's closing balance becomes the next month's opening balance.
- Operating activities cover day-to-day trading cash: customer receipts, wages, rent, supplier payments, marketing and tax paid. Investing covers buying or selling long-term assets. Financing covers borrowing, repayments, equity and owner distributions.
- Enter every outflow as a positive number; the sign is applied for you. 'Every month' lines repeat for each month; 'One-time' lines occur only in the month you choose.
- Growth percentages compound monthly and apply only to recurring operating lines, from month 2 onward. Investing and financing amounts are not grown.
- This is a cash forecast on a receipts and payments basis. Depreciation and other non-cash items are excluded, and payment delays (such as customers paying late) must be reflected in the timing of the amounts you enter. Classification conventions, such as where interest paid is shown, differ between businesses.
Results are estimates based on the figures you enter. They are not guarantees and not financial advice.
What is a business cash flow forecast?
A cash flow forecast lays out the cash you expect to receive and pay out, month by month, so you can see the balance before it happens. Splitting the flows into operating, investing and financing activities shows where the cash comes from and where it goes: whether trading funds the business, or whether borrowing and asset sales are filling the gap. The lowest balance and the first month below zero are the figures to watch, because they show the point where you need a buffer, a credit line or a change of plan.