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Cash Flow Calculator

Track inflows, outflows and net business cash flow.

Best for: Monthly close, before committing to new fixed costs, when receivables are stretching, or preparing for a lender who asks for cash-flow statements.

Complete guide
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How it's calculated & sources
The Cash Flow Calculator uses the standard formula for this calculation. It runs entirely in your browser, so your inputs are never uploaded. Figures are educational estimates, not professional advice — verify important decisions with a qualified expert. Last reviewed June 2026.
Key assumptions
  • Cash basis
  • Timing as entered

Free & no sign-up · runs entirely in your browser. Results are estimates for general information, not professional advice — verify important decisions with a qualified expert. Last reviewed June 2026.

How it works

Net Cash Flow = Total Inflows − Total Outflows

Closing Balance = Opening Balance + Net Cash Flow

Example

Opening $5,000 + Inflows $25,000 − Outflows $18,000 = Closing balance $12,000 with $7,000 positive flow.

Frequently asked questions

Is positive cash flow the same as profit?+

No — profit includes non-cash items like depreciation. Cash flow only tracks cash actually moving in and out.

Why does cash flow matter more than profit?+

Businesses go bankrupt from running out of cash, not from being unprofitable on paper.

Continue your journey

Where people usually head next.

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Startup Valuation Calculator
Estimate a startup's valuation using a revenue multiple.
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Burn Rate Calculator
Calculate gross and net burn and your runway in months.
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See how many months of runway your cash gives you.
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CAC Calculator
Calculate your customer acquisition cost.

Complete guide

Quick answers

Short, sourced answers to the questions people (and AI assistants) ask most.

What is Cash Flow?
The Cash Flow Calculator tallies your business's money in (sales, receivables collected, other income) against money out (purchases, salaries, rent, loan payments) to show net cash flow for the period.
Why does Cash Flow matter?
It is the top line - every margin and profit figure starts from revenue.
How is Cash Flow calculated?
It sums your inflows and outflows and reports the net — positive means cash grew, negative means the period consumed cash. Cash flow is about timing of money movement, not accounting profit. Formula: net cash flow = total inflows − total outflows.
What are common cash flow mistakes?
Counting invoiced sales as inflows before the cash lands.
When should you use the Cash Flow Calculator?
Monthly close, before committing to new fixed costs, when receivables are stretching, or preparing for a lender who asks for cash-flow statements.

What is the Cash Flow Calculator?

The Cash Flow Calculator tallies your business's money in (sales, receivables collected, other income) against money out (purchases, salaries, rent, loan payments) to show net cash flow for the period.

How the Cash Flow Calculator works

It sums your inflows and outflows and reports the net — positive means cash grew, negative means the period consumed cash. Cash flow is about timing of money movement, not accounting profit.

net cash flow = total inflows − total outflows
  1. List cash actually received in the period — not invoices raised.
  2. List cash actually paid out, including loan EMIs and owner drawings.
  3. Read the net figure and compare it with the period's opening cash to see your closing position.

Understanding the inputs

What each value means, why it matters, and a typical range — so you can fill in the calculator with confidence.

Revenue

The total money a business earns from sales before any costs are subtracted.

Why it matters:
It is the top line - every margin and profit figure starts from revenue.
Typical range:
Varies entirely by business size.
How it affects results:
  • Higher: More to cover costs and profit, if margins hold.
  • Lower: Less to cover costs and profit.

Common mistake: Confusing revenue (sales) with profit (what is left after costs).

Burn Rate

How fast a company spends its cash each month; net burn is spending minus income.

Why it matters:
With your cash balance it determines your runway - how long you can operate.
Typical range:
Whatever the stage requires; lower extends runway.
How it affects results:
  • Higher: Cash runs out sooner.
  • Lower: Cash lasts longer.

Common mistake: Using gross burn (spending only) when net burn (minus revenue) is what matters.

What impacts results most

  1. 1.
    Cash inflows (High impact)Money coming in.
  2. 2.
    Cash outflows (High impact)Money going out.

Key assumptions

  • Cash basis
  • Timing as entered

Monthly net cash flow → annual and runway on a $50,000 buffer

-$5,000-$60,00010 months
-$2,000-$24,00025 months
$2,000$24,000Cash-flow positive
$5,000$60,000Cash-flow positive
$10,000$120,000Cash-flow positive

Common mistakes to avoid

  • Counting invoiced sales as inflows before the cash lands.
  • Forgetting quarterly/annual outflows (insurance, tax instalments) in monthly views.
  • Treating a loan received as 'income' — it's cash in, but it's not yours.

Related concepts

How Revenue connects to the concepts around it.

Gross Margin:
Revenue minus direct costs, as a percent of revenue.
Net Margin:
Profit after all costs, as a percentage of revenue.
COGS:
The direct costs of producing what you sold.
Break-even:
The sales volume where revenue equals total costs.
MRR:
Predictable subscription revenue earned each month.
Burn Rate:
How fast a company spends its cash each month.

Business Economics learning path

A sensible order to learn these concepts.

RevenueCOGSGross MarginNet MarginBreak-even

Reviewed sources & methodology

Methodology: Industry Standard · Last reviewed June 2026.

Keywords: cash, flow, business.

A planning tool, not a substitute for formal cash-flow statements. Not financial advice.

Reviewed by the Free Tools Galaxy editorial team · Updated June 2026 · Calculated privately in your browser.

Frequently asked questions

Is the Cash Flow Calculator free to use?+

Yes. Every tool on Free Tools Galaxy is 100% free, runs in your browser and requires no signup.

How accurate is the Cash Flow Calculator?+

Cash Flow Calculator uses the standard cash flow formula in double-precision arithmetic, so the same inputs always produce the same result and you can verify any figure by hand. It is an educational estimate — real-world outcomes depend on your actual rates, rules and assumptions.

Do you store my inputs?+

No. The Cash Flow Calculator runs entirely in your browser. Nothing is uploaded or saved to a server.

Can I use the Cash Flow Calculator on mobile?+

Yes — the interface is fully responsive and works on phones, tablets and desktops.

What are common mistakes to avoid?+

The most frequent mistake is mixing units. Double-check your inputs use a single, consistent unit before clicking Calculate.

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Track inflows, outflows and net business cash flow.

Try it: https://freetoolsgalaxy.com/tools/cash-flow-calculator
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