Business

Business Cash Flow Calculator

Compare cash received and cash paid to estimate net cash flow.

MyToolPantry.comBusiness Cash Flow Calculator

Business Cash Flow Calculator result

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Opening cash balance ($)

Cash-flow dateDescriptionSigned amount ($): inflow +, outflow −

Opening cash$25,000.00Net forecast cash flow$12,000.00Ending cash$37,000.00Lowest projected balance$25,000.00Liquidity warningNo negative balance in entered events

Dated cash-flow forecast

Date	Event	Net cash flow	Running balance
2026-09-12	Customer receipts	$40,000.00	$65,000.00
2026-09-12	Payroll and operating costs	-$28,000.00	$37,000.00

Events are sorted by date and applied as signed cash movements. Enter positive inflows and negative outflows. This is a cash-timing forecast, not an income statement.

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How this tool works

Net change in cash combines operating receipts less operating payments with entered net investing and financing cash flows; opening cash plus that change gives ending cash.

Assumptions

All entries cover the same period. Investing and financing values are signed net cash flows; opening cash is a balance rather than operating revenue.

Limits to know

Cash flow records actual timing, not accounting profit. Receivables, payables, financing, owner contributions, taxes, and omitted transactions can change the reported net cash movement.