Cash Flow Calculator
Calculate business cash inflows, cash outflows, net cash flow, closing cash balance and a simple future cash-flow projection.
Cash Flow Details
Enter cash received and cash paid during one period. For monthly business planning, enter monthly values.
Cash Flow Analysis
Review the main cash-flow indicators for the selected period.
Cash Flow Breakdown
See how operating, investing and financing activities affect the overall cash position.
| Cash Flow Activity | Inflows | Outflows | Net Cash Flow |
|---|
12-Month Cash Projection
This simple projection assumes the current period’s net cash flow repeats every month. It is a planning illustration, not a forecast of actual future results.
| Month | Opening Cash | Net Cash Flow | Closing Cash |
|---|
What is Cash Flow?
Cash flow measures the actual movement of cash into and out of a business. Positive net cash flow means more cash entered the business than left it during the period. Negative cash flow means cash outflows were greater than cash inflows.
Basic Cash Flow Formula
Total Cash Inflows − Total Cash Outflows
Closing Cash Balance
Opening Cash Balance + Net Cash Flow
Operating Cash Flow
Operating Cash Inflows − Operating Cash Outflows
Operating cash flow focuses on cash generated and used by normal business activities such as customer receipts, supplier payments, payroll, rent and other operating costs.
Investing Cash Flow
Investing cash flow generally reflects cash movements related to long-term assets and investments. Buying equipment can create an investing outflow, while selling an asset can create an investing inflow.
Financing Cash Flow
Financing cash flow reflects cash received from or returned to financing sources. Examples include loans, owner capital, loan repayments and owner withdrawals.
Cash Flow Example
Operating Inflows: ₹3,20,000
Operating Outflows: ₹2,60,000
Net Operating Cash Flow: ₹60,000
Investing Cash Flow: -₹30,000
Financing Cash Flow: ₹30,000
Net Cash Flow:
₹60,000 − ₹30,000 + ₹30,000
= ₹60,000
Closing Cash Balance:
₹1,00,000 + ₹60,000
= ₹1,60,000
Cash Flow vs Profit
Cash flow and accounting profit are not the same. A business can report a profit but still experience cash shortages if customers have not yet paid, inventory absorbs cash, debt is being repaid, or large assets are purchased.
Positive vs Negative Cash Flow
Positive cash flow increases available cash during the period. Negative cash flow reduces available cash. Negative cash flow is not automatically bad—for example, a business may intentionally spend cash on equipment or expansion—but persistent negative operating cash flow can require closer attention.
Cash Flow Margin
Net Operating Cash Flow ÷ Operating Cash Inflows × 100
Disclaimer: This Cash Flow Calculator is intended for educational, budgeting and general business-planning purposes. It is a simplified cash-flow model and is not a formal statement of cash flows prepared under accounting standards. Actual financial statements may require different classifications, adjustments, accrual-to-cash reconciliation and treatment of taxes, interest, working capital and other transactions. Consult an accounting professional where appropriate.