Calculators
Cash Flow Forecast Calculator
Forecast monthly closing cash from opening cash, receipts and payments with growth rates, and find the lowest point.
- Runs in your browser
- Nothing uploaded
The tool
Enter your numbers below. Results update as you type, and nothing leaves your browser.
Everything you enter stays on your own machine. Nothing is sent to us or to anyone else, which you can confirm in your browser network tab.
What people use it for
- Planning finance before a shortfall
- Timing a large purchase
- Bank and investor reporting
- Testing growth scenarios
About this tool
What the Cash Flow Forecast Calculator does
A cash flow forecast projects money in and money out each month to show the closing bank balance. Its main job is to reveal the lowest point ahead, so you can arrange finance or adjust spending before cash runs short rather than after.
Formula
- Closing cash = opening cash + receipts − payments
- Receipts and payments grow by their monthly rates
- The lowest balance shows the funding you may need
Worked example
Using the starting values in the calculator above:
| Input | Value |
|---|---|
| Opening cash | $50,000 |
| Monthly receipts | $120,000 |
| Monthly growth in receipts | 2% |
| Monthly payments | $115,000 |
| Monthly growth in payments | 1% |
| One-off payment | $40,000 |
| Month of one-off payment | 3 |
| Months to forecast | 12 |
| Result | Value |
|---|---|
| Closing cash at the end | $160,963 |
| Lowest cash balance | $28,787 |
| Lowest point | Month 3 |
| Months below zero | 0 |
How to read the result
Forecast receipts when cash will actually arrive, not when you invoice. Late-paying customers are the most common reason forecasts are too optimistic.
Keep a buffer above the lowest point for surprises; many finance teams aim for at least one month of payments.
Related calculators
- Cash Flow to Debt Ratio Calculator: Calculate the cash flow to debt ratio and how many years of operating cash flow it would take to repay debt.
- Business Valuation Calculator: Value a business with SDE, EBITDA and revenue multiples and a single-stage discounted cash flow, side by side.
- NPV Calculator: Calculate net present value, profitability index and discounted payback for an investment with yearly cash flows.
- IRR Calculator: Calculate the internal rate of return, modified IRR and payback period for an investment with yearly cash flows.
Browse every calculator in Corporate Finance and Cash Flow Calculators, or talk to us about custom finance dashboards and automation.
More tools and services
- 1031 Exchange Calculator
- 401(k) Contribution Optimizer
- 529 College Savings Calculator
- A/B Test Significance Calculator
- Accessible Ramp Calculator
- Accounts Payable Aging Calculator
If you would rather someone did this properly for you, we offer Web Design Services and Website Development, SEO Services: Search Engine Optimization, AI Automation Agency.
Questions
Questions about this tool
The things clients actually want to know — costs, timelines, ownership and what happens after launch.
Start with opening cash, add expected receipts and subtract expected payments for each month to find the closing balance, which becomes next month's opening balance.
Weekly for the next 13 weeks when cash is tight, and monthly for 12 months for planning.
No. A profitable business can run out of cash if customers pay slowly or stock and investment absorb cash.
Free strategy session
Let’s build something worth finding.
Tell us where you want the business to be in twelve months. We will come back with a costed plan, a realistic timeline, and the numbers we expect to move — no obligation, no jargon.
- 30-minute call, no pitch deck
- Fixed-price proposal in 48 hours
- You own everything we build
Talk to a developer
Not a sales team
- Response time
- Within 1 business hour
- Where we work
- UK, USA & the Gulf
- Contracts
- No lock-in, monthly rolling
- Working since
- 2023