💵 Cash Flow Calculator
Calculate your monthly business cash flow by tracking income sources and expenses. Get a 6-month forward projection and understand how long your cash reserves will last.
Income Sources
Operating Expenses (Monthly)
One-time Expenses This Month
Non-recurring costs such as equipment purchases or one-off payments.
6-Month Cash Flow Projection
| Month | Opening Balance | Net Cash Flow | Closing Balance |
|---|
Cash Flow Formula
Income sources with different frequencies (weekly, annual) are converted to monthly equivalents. Weekly × 4.33; Annual ÷ 12.
How to Improve Your Cash Flow
Frequently Asked Questions
Cash flow is the net amount of cash moving in and out of your business during a given period. Positive cash flow means more cash is coming in than going out — essential for paying bills and growing. Negative cash flow means you are spending more than you earn and will eventually run out of money without external financing.
Operating cash flow (OCF) measures cash generated by normal business operations — revenue minus operating expenses. Free cash flow (FCF) = OCF minus capital expenditures (CapEx). FCF shows how much cash is truly available after maintaining and expanding the asset base. Investors often prefer FCF for valuing businesses.
A cash flow coverage ratio above 1.0x (income exceeds expenses) is the minimum. Healthy businesses typically maintain 1.2–1.5x. A ratio of 2x or more gives excellent buffer for growth and unexpected costs. Anything below 1.0x means you are burning cash and need immediate action.
Cash runway = Current Cash Reserve ÷ Monthly Net Cash Burn (expenses − income when negative). For example, if you have $60,000 in the bank and are burning $10,000/month net, your runway is 6 months. This tells you how long you can sustain operations without new revenue or investment.
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