Cash Flow Calculator Making Clear Cents of your Business Books

Cash Flow Calculator

12-MONTH PROJECTION · SPOT THE GAPS · KNOW YOUR RUNWAY

Your Business Numbers

What typically comes in each month? A rough estimate is fine.
$
Rent, payroll, subcontractors, insurance, subscriptions, loan payments — everything going out.
$
What's in your business checking account today?
$
Net 30? Net 60? If they pay on delivery, enter 0.
days
Day of the month most expenses hit — 1 = start, 15 = mid-month.
day
The Full Picture
What you pay yourself each month. Enter $0 if you don't — that's important information too.
$
Quarterly estimated taxes catch many business owners off guard. Recommended: 25–30% of net profit.
%
Total amount clients currently owe you that's past due. Enter $0 if you collect upfront or have no outstanding invoices.
$
💡 Not sure about some of these numbers? That uncertainty is exactly where we start with every client.
Monthly Net
Cash Runway
Timing Gap
Cash Reserve

12-Month Cash Balance Projection

Best Case Likely Worst Case

Hover to see month-by-month balances · Worst case: client delay + unexpected expense + quarterly tax surprise (if no set-aside)

What This Means for Your Business

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