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💵 Cash Flow Calculator
Project Your Monthly Cash Flow
Reviewed by Linda Wright, CPA
Small Business CFO • 17 years • 400+ companies
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Monthly Cash Inflows
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Monthly Cash Outflows
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💡 Expert Tips
- Profit ≠ Cash: You can be profitable and still go bankrupt. Example: Sell $100k product, but customer pays in 90 days. You owe supplier $60k NOW. P&L shows $40k profit, but bank account is -$60k. Cash flow kills more businesses than lack of profit.
- Always forecast worst-case: Revenue comes 30 days late, expenses hit early, unexpected $5k repair. If your "normal" forecast shows +$2k/month, worst-case shows -$8k/month, you're dangerously tight. Need 6-month cash reserve minimum.
⚠️ Common Mistakes
- Confusing profit with cash: Income statement shows $40k profit. But $60k is in accounts receivable (not yet paid). Bank account is -$20k. You're "profitable" but bankrupt. Track cash, not accrual accounting.
- Not accounting for timing differences: Customer pays you in 60 days, but you pay supplier in 15 days. That 45-day gap = cash crunch. You need $30k bridge financing just to stay alive despite being profitable.
- Only planning best-case scenario: Forecast shows +$5k/month cash flow. But that assumes all customers pay on time, no unexpected repairs, no slow months. Reality: -$8k some months. Budget for worst-case or you're dead.