Cash Flow Calculator

How to Use This Calculator

1. Enter your monthly revenue and monthly expenses to instantly see cash flow and margin.
2. Use the Quarterly tab to input three different months of revenue and expenses.
3. Use the Cash Flow Forecast tab to project 12 months forward with growth rates.
4. The Professional tier breaks down operating, investing, and financing cash flows with burn rate and runway analysis.

Formula

Example

Frequently Asked Questions

• What is cash flow? ▼
  Cash flow is the net amount of cash moving in and out of a business. Positive cash flow means more cash is coming in than going out. Negative cash flow means you're spending more than you earn and need external funding or reserves.
• What is free cash flow? ▼
  Free Cash Flow = Operating Cash Flow − Capital Expenditures. It represents cash available after maintaining and investing in the business. Positive FCF means the business generates surplus cash it can use for debt repayment, dividends, or growth.
• What is cash runway? ▼
  Cash runway is how many months a business can operate at its current burn rate before running out of cash. Formula: Cash on Hand ÷ Monthly Net Burn Rate. Most startups aim to maintain at least 12–18 months of runway.
• What is the cash flow to debt ratio? ▼
  Cash Flow to Debt = Annual Operating Cash Flow ÷ Total Debt. A ratio above 0.2 (20%) is generally considered healthy. It measures how quickly a business can repay its debt from operations.
• What is the difference between profit and cash flow? ▼
  Profit is an accounting concept (revenue minus expenses on an accrual basis). Cash flow is actual cash in and out. A business can be profitable but cash-flow-negative if customers pay slowly or inventory builds up. Cash flow is usually more critical for day-to-day operations.

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