Cash Flow Forecast Tool
3–12 month rolling cash flow projection with income/expense categories.
Cash flow forecasting helps you anticipate shortfalls and plan for growth. Start with opening cash, add monthly income (revenue, receivables), subtract expenses (payroll, rent, COGS, etc.), and track running balance. This calculator projects up to 12 months with customizable income and expense categories. Use industry presets for typical small business patterns or enter your own numbers.
Inputs
Forecast
Ending cash (month 6): —
Lowest balance: —
Insights
Formula
Monthly net = Revenue - Expenses Revenue(t) = Revenue(t-1) * (1 + Growth/100) Cash(t) = Cash(t-1) + Revenue(t) - Expenses
Input Definitions
What does each input mean?
- Opening cash
- Cash balance at the start of the forecast. Use your actual bank balance or projected starting point.
- Monthly revenue
- Expected monthly income before applying growth. Base amount that compounds each month.
- Monthly growth %
- Month-over-month revenue growth rate. 2% means revenue increases 2% each month.
- Monthly expenses
- Total fixed and variable operating costs per month (payroll, rent, COGS, etc.).
- Forecast months
- Number of months to project. 3–12 month rolling forecast.
Related Calculators
Seeing Cash Problems Before They Become Cash Crises
Profit and cash flow are not the same thing — you can have a profitable business that runs out of cash because of timing mismatches between when you earn revenue and when you pay bills. A cash flow forecast makes these timing gaps visible weeks or months in advance, giving you time to respond rather than react. This calculator helps you build a simple but meaningful forward-looking cash view.
It’s most useful for businesses with lumpy revenue (project-based, seasonal, or B2B invoice-based models), for businesses carrying significant inventory, or for any operator who has ever been surprised by a tight month despite strong sales. The goal isn’t perfect prediction — it’s early warning, and even a rough 90-day forecast dramatically improves financial decision-making.