Cash flow calculator

Use this calculator to determine if the money coming into your business (i.e. revenue and income) is enough to cover your financial obligations (i.e. payroll and other expenses) for a set period. For a business to be successful in the long term, it needs to generate profits while also being cash flow positive.

Cash at beginning of term

The amount of cash your company has at the start of the fiscal term.

Cash flow from Operations

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- Received from Customers
  This is the amount of cash that your company has collected from customers over a defined term. The total should reflect actual funds received as opposed to forecasted sales.
  $
- Other cash receipts
  This is cash that is generated from alternative sources within the defined term. This amount should also reflect actual funds received rather than forecasted sales so that it doesn’t alter your cash flow.
  $
Operations total received
$
- For inventory
  The amount spent during the defined term to buy your products. Similar to ‘cash received’, the ‘cash paid’ during the term should be based on the actual cash outflow.
  $
- For insurance
  The entire amount you’ve spent on insurance, marketing and rental fees.
  $
- For payroll
  The total capital spent on employee salaries and taxes.
  $
- Other payments
  This includes other costs during the defined term such as one-off purchases or minor administrative expenses.
  $
- Interest paid
  The entire amount that you’ve paid in interest for the defined term.
  $
Operations total used
$

Cash flow from Operations

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Cash flow from Investments

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- Sale of Property
  The is the amount you’ve collected during the defined term from the sale of holdings, such as buildings and land as well as intellectual property.
  $
- Sale
  This is the amount of cash that your company has collected from the sale of investments, including stocks and bonds. Any capital that your company generates from the issuance of stocks and bonds should be considered part of “finance” within your cash flow statement.
  $
- Other activity
  This includes capital generated from other investment transactions.
  $
Investments total received
$
- Capital expenditures
  This is the amount your company invests in land, property, machinery or technology.
  $
- Purchases
  The is the amount your company spends to purchase external investments. This doesn’t include stock buy-back or debt retirement, which should be considered part of “finance” within your cash flow statement.
  $
- Other Use
  This is the amount you spend on other investment transactions.
  $
Investments total used
$

Cash flow from Investments

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Cash flow from Financing

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- New borrowing
  This is also referred to as “net new borrowing”. It includes the difference between previous and current debt totals.
  $
- Stock issuing
  This is the capital you get from any new stock that you issue. Note that it’s the net amount (after fees).
  $
- Capital contributions
  This refers to any monetary gifts that you get from the owner(s) for the defined term.
  $
Financing total received
$
- Loan repayments
  This is the total amount that you pay in loan principal remittances excluding interest. (Interest should be considered part of “operating expenses” within your cash flow statement.)
  $
- Dividends paid
  Any cash dividends that you receive during the defined term.
  $
- Other distributions
  Any other cash payouts that you receive during the defined term.
  $
Financing total used
$

Cash flow from Financing

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Cash at end of term

The amount of cash your company has at the end of the fiscal term. If the balance is lower than the initial amount, your company may need to reverse the cash flow to improve its financial outlook.

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What is cash flow?

There are different types of budgets depending on what kind of performance measure you want to examine. Here, we’ll define a budget as a projection of how much your company will spend versus how much revenue it will generate over a period of time. Depending on the results, you can then make more informed decisions when it comes to managing your cash flow, allocating money for expenses, and setting revenue targets.

How to manage your cash flow like a pro

Your cash flow lies at the heart of your business. With proper cash flow management, you can minimize the possibility of a shortfall. Here are a few helpful tips:
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Rather than just project your cash flow for an upcoming month, try to plan ahead for the year. This will help you anticipate slow periods so you can set aside enough cash to cover your expenses.
Getting paid on time – and in full – is key to managing your cash flow. See how you can get paid in as fast as 2 business days with a free Wave account.
One of the common mistakes made by new business owners is not keeping enough of a cash buffer on hand. To avoid this, try to maintain at least two months of operating expenses in your business savings account.
You can view automatic and up-to-date cash flow reports by using Wave's free business accounting software.
Check out our other accounting tools that can help you calculate sales tax, budget, burn rate, and more!

How to use the cash flow calculator

To calculate your cash flow with this free tool, follow these instructions:
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Under "Cash at beginning of term," enter the amount of money your business has available at the start of the fiscal period.
Under "Cash flow from Operations," enter:
- The amount of cash your business has received from customers and other sources
- The amount of cash your business has spent on inventory, insurance, payroll, and other expenses
Under "Cash flow from Investments," enter:
- The amount of cash your business has earned from the sale of property and other investments
- The amount of cash your business has spent on capital expenditures and other investments
Under "Cash flow from Financing," enter:
- The amount of cash your business has received from new loans, monetary gifts, and other contributions
- The amount of cash your business has spent on loan repayments and similar payouts
After filling these fields out, instantly see the net amount of cash your company will have at the end of the fiscal period.

Essential parts of a cash flow report

There are 3 main elements of a cash flow statement:
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Gross cash inflow: This is the total amount of money coming into your business; this includes money generated from selling your goods and services, money from loans or lines of credit, and other sources of incoming cash
Gross cash outflow: This is the total amount of money exiting your business; this can be from making business purchases, generating inventory, paying sales taxes, paying back a loan or line of credit, payroll, and more
Net cash change: This is the net difference between your cash inflow and cash outflow; you should strive towards having a positive cash flow (more inflowing cash than outflowing cash)

There are 3 main elements of a cash flow statement:
‍

Gross cash inflow: This is the total amount of money coming into your business; this includes money generated from selling your goods and services, money from loans or lines of credit, and other sources of incoming cash
Gross cash outflow: This is the total amount of money exiting your business; this can be from making business purchases, generating inventory, paying sales taxes, paying back a loan or line of credit, payroll, and more
Net cash change: This is the net difference between your cash inflow and cash outflow; you should strive towards having a positive cash flow (more inflowing cash than outflowing cash)

Benefits of managing your business cash flow closely

Identify and plan for cash shortages in the upcoming year
Forecast your upcoming expenses and see exactly how much money you'll need on hand to cover rent, payroll, and any other recurring monthly expenses
Prepare for slow seasons and ensure you have enough money on hand before spending on your business
Become a better financial decision maker as you improve your cash flow projections each month