How this calculator works
Build a 12-month cash flow forecast with ending cash, lowest balance, and runway risk.
Example
A business can have positive annual net cash flow but still hit a short-term cash shortage if one month has high outflows.
What makes this tool more practical
- The 12-month format is more useful than a single inflow/outflow estimate because cash shortages often happen in one specific month.
- Lowest cash balance helps identify whether the business needs more runway even if the year-end cash balance is positive.
- Average monthly net and estimated runway help compare growth plans, hiring decisions, inventory purchases, and marketing spend.
When to use it
Use this tool when you need a quick business estimate before setting a price, sending a quote, planning a campaign, comparing fees, or checking whether the numbers still make sense.
Important note
Results are estimates based on the numbers you enter. They do not replace professional accounting, tax, legal, lending, or financial advice.