Finance & planning

Cash Flow Forecast Calculator

Build a one-period cash bridge from opening cash, expected receipts, operating payments, capital spending and financing.

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US dollars
US dollars
US dollars
US dollars
US dollars
US dollars

Results update as you type. Your numbers stay in this browser.

Projected closing cashExample$18,000
Change in cash
−$2,000
Funding needed to reach reserve
$0.00

Understand the result

How to calculate cash flow forecast

Closing cash = opening cash + customer receipts − operating payments − capital expenditure + net financing

Use payment dates, not invoice or revenue-recognition dates. Include cash taxes in operating payments. The period-end balance can hide an earlier intra-period cash shortage.

Worked example

An illustrative scenario. “Reset to example” restores it in the calculator.

Opening cash balance
$20,000
Expected customer cash receipts
$35,000
Operating cash payments
$30,000
Capital expenditure paid
$5,000
Net financing cash flow (+ received / − repaid)
$-2,000
Your minimum cash reserve
$15,000

Projected closing cash: $18,000

Common questions

Cash Flow Forecast FAQ

Can a profitable business show a negative cash forecast?

Yes. Uncollected invoices, stock purchases and loan repayments affect cash differently from accounting profit. Review the timing of receipts and payments as well as their totals.