🌊Cash Flow Forecast

About this tool

Start with today's bank balance and the first month, then add money-in and money-out lines that repeat monthly, quarterly, yearly or once, each starting in any month. The forecast shows opening, in, out, net and closing for every month, a chart of the balance, totals for the year and the lowest balance with its month. Saved in this browser; export CSV.

Why profitable businesses run out of cash

Profit and cash are different things. A business can be profitable on paper and still unable to pay wages in March because the quarterly tax bill, the annual insurance and a client paying 60 days late all land in the same month. A cash flow forecast puts each amount in the month the money actually moves — when the customer pays, not when you invoice; when the supplier is paid, not when you order — and shows the low points before they arrive, while there is still time to chase a payment, move a purchase or arrange an overdraft. Freelancers use the same view for irregular income, and households for annual bills. Review it monthly and replace forecasts with actuals as they happen. Honest notes: it is a cash view, not a profit-and-loss statement, so it ignores depreciation and accruals; and it is only as good as the timing you enter. Saved locally, never uploaded. The startup runway calculator projects growth rates, the budget planner handles household budgets, the break-even calculator covers fixed costs, and the invoice generator gets the money in.

Frequently asked questions