Cash flow calculator See the storms coming.
Project your cash month by month from today's balance, expected inflows and outflows, and growth, with a monthly outlook that shows where the low points fall.
How this estimate works
The projection starts from your current cash balance, then adds expected cash in and subtracts expected cash out for each of the next twelve months.
Monthly growth rates compound, so a small change in either line adds up over the year.
Your cushion is the minimum balance you want on hand. The calculator flags any month that dips below it.
Each month gets an outlook. Clear: above your cushion and cash is building. Tightening: still above your cushion, but more cash is going out than coming in. Below cushion: under the minimum you want on hand. Out of cash: the balance goes negative. Storms are easier to manage when you can see them coming.
Assumptions and limits
- Cash basis: enter money actually received and paid, not invoices sent or bills received.
- Seasonality, one-time purchases, loan proceeds, and tax payments are not modeled unless you include them in the monthly figures.
- A forecast built from your actual books can capture timing, seasonality, and scenarios this tool cannot.
An estimate is a starting point
Want a forecast built from your real books, with seasonality and scenarios? That is what our advisory team does. This calculator is educational and is not tax advice.
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