About Cash Flow Calculator
This cash flow calculator shows you how long your current cash balance will last based on your monthly income and expenses, and gives you a 3–6 month forecast so you can plan ahead. For small businesses and freelancers, understanding your cash flow runway is more immediately useful than knowing your profit - cash in the bank is what keeps operations running.
Enter your current cash balance, your expected monthly revenue, and your monthly fixed costs. The calculator determines your net monthly cash position (positive if revenue exceeds costs, negative if costs exceed revenue) and projects your balance forward month by month. If you are cash-flow negative, it shows when your balance hits zero so you know how much runway you have left to find new clients or cut costs.
A positive net cash position means you are growing your reserves each month. A negative position means you are drawing down - not necessarily a crisis if it is temporary, but something to track closely. The 3–6 month view makes seasonal patterns visible: a month with a big project landing followed by a slow stretch looks very different on a graph than in a snapshot.
The calculator is intentionally simple - single revenue and expense inputs - because the goal is a quick, honest picture of your financial situation, not a complex model. If you want more granularity, use the Monthly Budget Calculator to break expenses into categories, or track actuals in the Expense Tracker.
Use this calculator at the start of each quarter, when you lose or add a major client, or whenever your spending changes significantly. The output tells you whether your current financial plan is sustainable or whether you need to take action.