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Cash Flow Calculator

Estimate your net cash flow by comparing total cash coming in with total cash going out over a chosen period.

Your Details

Overview

A cash flow calculator helps you estimate whether more money is coming in than going out over a month or year. Enter your total cash in, fixed expenses, variable expenses, other outflows, and opening balance to see your net cash flow and ending cash position.

How it works

The calculator adds together all cash outflows, then subtracts that total from cash received to find net cash flow. It then adds the net cash flow to your opening cash balance to estimate your closing balance. It also shows what percentage of your cash in is being used by outflows and what percentage remains as surplus or becomes a shortfall.

How to use this calculator

  1. 1Choose whether you want a monthly or annual cash flow estimate.
  2. 2Enter your total cash received for the period.
  3. 3Add your fixed expenses, variable expenses, and other cash outflows.
  4. 4Enter your opening cash balance.
  5. 5Review your net cash flow, closing balance, and expense ratio.

Example Calculation

Calculation Period

monthly

Total Cash In

$5,000

Fixed Expenses

$2,000

Variable Expenses

$1,500

Other Cash Outflows

$300

Opening Cash Balance

$1,000

Net Cash Flow

$1,200

With monthly cash in of 5000 and total cash out of 3800, the estimated net cash flow is 1200 and the closing cash balance is 2200.

Frequently asked questions

What does this cash flow calculator estimate?

It estimates your net cash flow, total cash out, expense ratio, and closing cash balance for a month or year based on the amounts you enter.

What is the difference between cash flow and profit?

Cash flow tracks actual money coming in and going out, while profit is an accounting measure that can include non-cash items and timing adjustments.

Should I include loan payments and taxes?

Yes, if they affect money leaving your account during the period, include them in other cash outflows or the most appropriate expense category.

Can I use this calculator for business or personal budgeting?

Yes, it can be used for either business or personal cash flow as long as you enter the relevant income and outflow amounts.

What does a negative net cash flow mean?

A negative net cash flow means your cash outflows are greater than your cash inflows for the selected period, which may reduce your available cash balance.

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Assumptions and warnings

Assumptions

  • Results are estimates based on the values you enter for one monthly or annual period.
  • The calculator treats all entered amounts as cash movements, not accounting profit.
  • Timing differences within the period are not modeled.
  • Taxes, financing costs, and irregular items are only included if you enter them.

Warnings

  • This calculator provides an estimate only and should not be the only basis for financial decisions.
  • Actual cash flow can vary due to payment timing, unexpected costs, and changes in income.
Cash Flow Calculator