Business Cash Flow Calculator
See exactly where your business money goes each month. Enter your opening balance, then add every inflow and outflow by category - sales, rent, salaries, stock - and get your net cash flow and closing balance instantly, updated live as you type.
How to use
- Fill in the fields above with your own figures — results update live as you type.
- Add all money in and all money out for the month. Closing balance is opening balance plus net cash flow.
- Check the result box and adjust any rate or parameter to test other cases.
Tips
- Cash flow is not profit: credit sales count only when the money actually arrives.
- Track each category monthly to spot which expenses are growing fastest.
- A positive cash flow with a low closing balance means one late payment could hurt - keep a buffer.
- Run a what-if month with lower sales to test whether you can still cover fixed costs.
Note: Cash flow is not profit — credit sales and unpaid bills are excluded until cash actually moves.
Frequently Asked Questions (FAQ)
What does the cash flow calculator calculate?
It calculates the net monthly cash flow and the closing balance from all business inflows and outflows by category.
Which categories can I track?
Cash sales and other inflows like loans, against outflows such as stock purchases, rent, salaries, bills and utilities, and other expenses.
How is the closing balance worked out?
The closing balance is the opening balance plus the net cash flow.
Is cash flow the same as profit?
No. Cash flow is not profit: credit sales and unpaid bills are excluded until cash actually moves.