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Cash Flow Forecast Calculator

Forecast business cash flow in minutes. Estimate money in/out, unpaid invoices, net cash flow, and a 12‑month balance forecast with a potential scenario.

Forecast your cash flow in minutes

Cash flow forecasting helps you answer one question: will you have enough cash to operate and grow? Enter expected inflows, outflows, and any unpaid invoices to estimate net cash flow and a forward-looking cash balance.

Calculator

Enter your expected money in and out. Leave a field blank to treat it as 0.

Weekly values are converted using 52/12.

Money in (per month)

Used for the “potential” scenario (assumes collected in month 1).

Money out (per month)

Results

Values shown as monthly amounts. Weekly inputs are converted using 52/12.

Click Calculate to see your totals and forecast.

How it works

  1. Enter your money in (sales and other revenue) for the chosen period.
  2. Add your money out (monthly costs like payroll, rent, and marketing).
  3. Optionally add unpaid invoices to see a “potential” scenario if those invoices were collected.
  4. The chart projects your cash balance across 12 months using your net cash flow (and a potential scenario that collects invoices in month 1).

Benefits of cash flow forecasting

  • Plan hiring and spend with fewer surprises.
  • Spot future shortfalls early and act before cash gets tight.
  • Decide when to build inventory or delay purchases.
  • Improve collections by identifying invoice-driven gaps.
  • Build a buffer (or arrange financing) proactively.

What is cash flow forecasting?

A cash flow forecast estimates the timing of cash moving into and out of your business. Unlike profit, cash flow focuses on when money arrives and leaves—so it’s especially useful when customers pay on terms or costs are lumpy.

A simple forecast can help you decide when to hire, increase inventory, invest in marketing, or line up financing before a shortfall hits.

How to calculate net cash flow

Net cash flow is the difference between money coming in and money going out for a given period:

Net cash flow = total inflows − total outflows

This tool also shows a potential scenario that assumes unpaid invoices are collected (as a one-time boost in month 1).

How to improve cash flow

  • Speed up collections with shorter payment terms, deposits, or automated reminders.
  • Negotiate supplier terms to better match your customer payment cycle.
  • Cut or pause non-essential spend when forecasts show a shortfall.
  • Plan inventory carefully to avoid cash tied up in stock.
  • Build a buffer (or secure a credit line) before you need it.

Explore other tools: ROI Calculator and Dividend vs Salary Calculator.

Cash flow forecast FAQs

What is a cash flow forecast?▾
A cash flow forecast is an estimate of how much cash will move in and out of your business over a future period. It helps you anticipate shortfalls before they happen.
What’s the difference between profit and cash flow?▾
Profit is revenue minus expenses on paper. Cash flow is the timing of actual cash movements. You can be profitable and still run out of cash if customers pay late or costs hit earlier.
How do unpaid invoices affect cash flow?▾
Unpaid invoices represent revenue you’ve earned but haven’t collected yet. They can create a cash squeeze even when sales look strong.
Should I forecast weekly or monthly?▾
Weekly is helpful when cash is tight or transactions are frequent. Monthly is easier for longer-range planning. This tool converts weekly values to monthly for the forecast chart.
How far ahead should I forecast?▾
Many businesses forecast 3–12 months. The right horizon depends on your sales cycle and how quickly you can adjust spend or financing.
What can I do if my forecast is negative?▾
Common levers include speeding up collections, negotiating payment terms, reducing discretionary spend, pausing hiring, or increasing prices. The best action depends on what’s driving the gap.
Does this include taxes or VAT/GST?▾
You can include estimated taxes as a cash outflow. The calculator is flexible—enter the items that matter for your business and your local tax obligations.
Is this financial advice?▾
No. This is an educational estimator. Consider speaking with a qualified accountant or financial advisor for decisions involving financing, tax, or legal matters.
NetGrow

Cash Flow Forecast Calculator

Forecast business cash flow in minutes. Estimate money in/out, unpaid invoices, net cash flow, and a 12‑month balance forecast with a potential scenario.

Forecast your cash flow in minutes

Cash flow forecasting helps you answer one question: will you have enough cash to operate and grow? Enter expected inflows, outflows, and any unpaid invoices to estimate net cash flow and a forward-looking cash balance.

Calculator

Enter your expected money in and out. Leave a field blank to treat it as 0.

Weekly values are converted using 52/12.

Money in (per month)

Used for the “potential” scenario (assumes collected in month 1).

Money out (per month)

Results

Values shown as monthly amounts. Weekly inputs are converted using 52/12.

Click Calculate to see your totals and forecast.

How it works

  1. Enter your money in (sales and other revenue) for the chosen period.
  2. Add your money out (monthly costs like payroll, rent, and marketing).
  3. Optionally add unpaid invoices to see a “potential” scenario if those invoices were collected.
  4. The chart projects your cash balance across 12 months using your net cash flow (and a potential scenario that collects invoices in month 1).

Benefits of cash flow forecasting

  • Plan hiring and spend with fewer surprises.
  • Spot future shortfalls early and act before cash gets tight.
  • Decide when to build inventory or delay purchases.
  • Improve collections by identifying invoice-driven gaps.
  • Build a buffer (or arrange financing) proactively.

What is cash flow forecasting?

A cash flow forecast estimates the timing of cash moving into and out of your business. Unlike profit, cash flow focuses on when money arrives and leaves—so it’s especially useful when customers pay on terms or costs are lumpy.

A simple forecast can help you decide when to hire, increase inventory, invest in marketing, or line up financing before a shortfall hits.

How to calculate net cash flow

Net cash flow is the difference between money coming in and money going out for a given period:

Net cash flow = total inflows − total outflows

This tool also shows a potential scenario that assumes unpaid invoices are collected (as a one-time boost in month 1).

How to improve cash flow

  • Speed up collections with shorter payment terms, deposits, or automated reminders.
  • Negotiate supplier terms to better match your customer payment cycle.
  • Cut or pause non-essential spend when forecasts show a shortfall.
  • Plan inventory carefully to avoid cash tied up in stock.
  • Build a buffer (or secure a credit line) before you need it.

Explore other tools: ROI Calculator and Dividend vs Salary Calculator.

Cash flow forecast FAQs

What is a cash flow forecast?▾
A cash flow forecast is an estimate of how much cash will move in and out of your business over a future period. It helps you anticipate shortfalls before they happen.
What’s the difference between profit and cash flow?▾
Profit is revenue minus expenses on paper. Cash flow is the timing of actual cash movements. You can be profitable and still run out of cash if customers pay late or costs hit earlier.
How do unpaid invoices affect cash flow?▾
Unpaid invoices represent revenue you’ve earned but haven’t collected yet. They can create a cash squeeze even when sales look strong.
Should I forecast weekly or monthly?▾
Weekly is helpful when cash is tight or transactions are frequent. Monthly is easier for longer-range planning. This tool converts weekly values to monthly for the forecast chart.
How far ahead should I forecast?▾
Many businesses forecast 3–12 months. The right horizon depends on your sales cycle and how quickly you can adjust spend or financing.
What can I do if my forecast is negative?▾
Common levers include speeding up collections, negotiating payment terms, reducing discretionary spend, pausing hiring, or increasing prices. The best action depends on what’s driving the gap.
Does this include taxes or VAT/GST?▾
You can include estimated taxes as a cash outflow. The calculator is flexible—enter the items that matter for your business and your local tax obligations.
Is this financial advice?▾
No. This is an educational estimator. Consider speaking with a qualified accountant or financial advisor for decisions involving financing, tax, or legal matters.