WiseCalc

Cash Flow Calculator

Project monthly cash flow by tracking income streams and expense categories to understand your business financial health.

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$0$100,000
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-100%20%
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0%100%
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$0$50,000
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-100%10%

Month 1 uses the entered amounts. Growth or decline compounds monthly from Month 2. Cost of goods sold is a fixed share of revenue; total expenses also include operating expenses. USD amounts assume revenue is received and expenses are paid in the same month. Taxes, financing, capital spending and changes in working capital are excluded.

Total 12-Month Revenue
$141,920.30
12-Month Gross Profit
$85,152.18
Revenue − cost of goods sold
Total 12-Month Expenses
$88,474.38
Cost of goods sold + operating expenses
12-Month Net Cash Flow
$53,445.92
Revenue − total expenses

12-Month Cash Flow Projection

Cash Flow Matters More Than Revenue Alone

Cash flow tracks when money actually enters and leaves the business. A profitable company can still face stress if customers pay late, inventory builds up, or expenses come due before receipts arrive.

A cash flow forecast helps you spot tight periods early so you can cut spending, speed collections, or line up financing before the pressure hits.

How to use this calculator

  1. List expected cash receipts for the period, including realistic collection timing.
  2. List payroll, rent, suppliers, debt payments, taxes, and other cash expenses.
  3. Subtract outflows from inflows to estimate net cash flow.
  4. Review month-end cash balance to see whether you need reserves or financing.

Frequently Asked Questions