Cash Flow Projection Calculator

Forecast your business cash flow, analyze liquidity trends, and plan financial operations. Create detailed cash flow projections to ensure adequate working capital and financial stability.

Starting Financial Position

Starting Cash Balance ($) *

Projection Period (Months) *

Number of months to project

Monthly Cash Inflows

Sales Revenue ($) *

Other Income ($)

Interest, investments, etc.

Monthly Revenue Growth Rate (%)

Monthly compound growth rate

Average Collection Period (Days)

Days to collect receivables

Monthly Cash Outflows

Cost of Goods Sold ($)

Operating Expenses ($)

Rent, salaries, utilities, etc.

Loan Payments ($)

Principal and interest payments

Capital Expenditures ($)

Equipment, property investments

Taxes ($)

Income, payroll, and other taxes

Other Expenses ($)

Miscellaneous business expenses

Cash Flow Projection Results

Ending Cash Balance

Total Cash Inflows

Total Cash Outflows

Net Cash Flow

How the Cash Flow Projection Calculator Works

Set Starting Position

Enter your current cash balance and define the projection period to establish the baseline for your cash flow forecast.

Define Cash Inflows

Input your monthly sales revenue, other income sources, growth rates, and collection periods to project incoming cash.

Enter Cash Outflows

Add all monthly expenses including COGS, operating expenses, loan payments, capital expenditures, and taxes.

Analyze Cash Flow Trends

Review projected cash balances, identify potential shortfalls, and plan financing needs or investment opportunities.

Frequently Asked Questions

What is cash flow projection and why is it important?

Cash flow projection is a forecast of your business's cash inflows and outflows over a specific period. It's crucial for ensuring adequate liquidity, planning for seasonal variations, identifying financing needs, and making informed business decisions about investments and expenses.

How accurate should my cash flow projections be?

Cash flow projections should be as accurate as possible based on historical data and realistic assumptions. Use conservative estimates for revenue and realistic estimates for expenses. Update projections regularly as actual results become available and business conditions change.

What should I do if my projection shows negative cash flow?

Negative cash flow projections indicate potential liquidity problems. Consider options like securing a line of credit, accelerating collections, delaying non-essential expenses, increasing sales efforts, or seeking additional investment. Plan financing solutions before cash shortfalls occur.

How often should I update my cash flow projections?

Update cash flow projections monthly or whenever significant changes occur in your business. Compare actual results to projections and adjust future forecasts based on new information. Rolling 12-month projections provide the best visibility for planning purposes.

What factors can affect cash flow timing?

Key factors include customer payment terms, seasonal sales patterns, supplier payment terms, inventory turnover, capital expenditure timing, loan payment schedules, tax payment dates, and economic conditions. Account for these timing differences in your projections.