Cash Flow Calculator
Month-by-month cash in, cash out and running balance.
Months
Your result
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Enter your numbers to see the result.
This cash flow calculator shows how your cash balance moves month by month. Enter your opening cash, then for each month the money you expect to come in and go out. It works out net cash for each month, the running balance, total inflows and outflows, and warns you about the lowest point so you can plan ahead.
What is a Cash Flow Calculator?
Cash flow is the movement of money into and out of a business or household. Profit and cash are different: a business can be profitable on paper but run out of cash if customers pay late or big bills fall due in the same month.
A cash flow forecast lists expected cash in and cash out for each month and tracks the running balance. This cash flow calculator makes that quick: enter your opening balance and monthly figures, and it highlights the lowest point so you can act before it arrives.
How does the Cash Flow Calculator work?
For each month, the calculator subtracts cash out from cash in to get the net flow, adds it to the running balance and records the lowest balance and when it happens.
How to use the Cash Flow Calculator step by step
- Enter your opening cash balance.
- For each month, enter a name, cash in and cash out.
- Use Add month for more months.
- Read the closing balance and the lowest point.
- Check the monthly table.
- Download the CSV to share with your accountant or bank.
Cash Flow Calculator example with real numbers
A small manufacturer starts October with ₹3 lakh. Collections are slow in October to December while expenses stay high, then pick up from January.
| Example input | Value |
|---|---|
| Opening balance | ₹3,00,000 |
| Months | October to March |
| Pattern | Slow festive-season collections, strong Q4 |
| Example output | Value |
|---|---|
| Closing cash balance | ₹4,70,000 |
| Total cash in | ₹28,30,000 |
| Total cash out | ₹26,60,000 |
| Net cash flow | ₹1,70,000 |
| Lowest balance | ₹1,00,000 (Dec) |
| Status | Balance stays positive |
The cash flow calculator shows the balance dipping to ₹1,00,000 (Dec) before recovering to ₹4,70,000 by March. Knowing the low point in advance lets you arrange a short overdraft or chase receivables early.
Key features of this Cash Flow Calculator
- Up to 36 months
- Running balance
- Lowest balance alert
- Totals and net flow
- CSV export
Who should use the Cash Flow Calculator?
Who is this Cash Flow Calculator for?
- Small business owners
- Freelancers with uneven income
- Startup founders
- Households planning big expenses
Practical use cases
- Planning for slow seasons
- Deciding when to take an overdraft
- Timing a large purchase
- Preparing for a bank meeting
Key benefits
- Early warning: see cash gaps ahead.
- Simple: no accounting knowledge needed.
- Flexible: any months.
- Shareable: CSV export.
Tips for better results
- Include taxes, EMIs and annual payments in the month they are due.
- Use realistic collection dates, not invoice dates.
- Update the forecast every month.
- Keep a buffer of at least one month’s expenses.
Common mistakes to avoid
- Treating sales as cash before customers pay.
- Forgetting GST and advance tax payments.
- Ignoring seasonal dips.
- Not updating the forecast.
Limitations of this Cash Flow Calculator
- It relies on your estimates.
- It does not separate operating, investing and financing cash flows.
- Interest on balances is not included.
Cash Flow Calculator vs other ways to calculate
| Measure | Shows |
|---|---|
| Profit | Income minus expenses on paper |
| Cash flow | Actual money in and out |
| Working capital | Short-term assets minus liabilities |
| Runway | Months before cash runs out |
For runway with steady burn, use the startup runway calculator. For liquidity ratios, see the working capital calculator.
Privacy and data handling
This Cash Flow Calculator runs entirely in your browser. The numbers you type are not sent to Qorico or stored on any server, and nothing is saved after you close the page. The Copy and Download buttons create the result on your own device. If the page has analytics turned on, it may count that a calculation happened, but it does not record the values you entered.
Cash Flow Calculator FAQs
What is cash flow?
The money coming into and going out of a business or household over a period.
Why is cash flow different from profit?
Profit counts sales when made and expenses when incurred; cash flow counts money when it actually moves.
How do I make a cash flow forecast?
List expected cash in and cash out for each month, start from your opening balance and track the running total.
What if my balance goes negative?
Plan funding in advance: a short-term loan, overdraft, faster collections or delayed spending.
How far ahead should I forecast?
Most small businesses plan 6–12 months ahead and update monthly.
Can I use this for personal finances?
Yes, enter salary as cash in and expenses as cash out.
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Sources and references
We checked the method and the current figures used in this Cash Flow Calculator against these official and primary sources:
- MSME: Ministry of Micro, Small and Medium Enterprises
- SIDBI: Small Industries Development Bank of India
- Institute of Chartered Accountants of India
Written and reviewed by the Qorico Team
