Free Cash Flow Forecast Calculator

Project your cash position month by month — so you can see a shortfall coming before it happens, not after.

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All fields update your forecast instantly.

GROWTH ASSUMPTIONS
FORECAST WINDOW

Your Cash Forecast

Cash position after 12 months

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Lowest projected balance

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Cash runs out

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Outlook: —

Month-by-Month Breakdown

Month Inflow Outflow Ending Balance

How the Cash Flow Forecast Calculator Works

Profitable businesses run out of cash all the time — timing is what matters. This calculator starts with your current cash balance, then rolls it forward month by month using your expected inflows and outflows, so you can see whether your balance is climbing, flat, or heading toward zero, and exactly which month that happens in.

The formulas

  • Month 1 inflow/outflow = the inflow and outflow amounts you enter
  • Later months = previous month's inflow/outflow × (1 + growth rate)
  • Ending balance = previous balance + this month's inflow − this month's outflow
  • Cash runs out = the first month where the running balance drops below $0

Frequently asked questions

What counts as a cash inflow? Any cash actually received in the month — customer payments, loan disbursements, or investment funding. It's not the same as revenue booked on paper if customers pay late.

What counts as a cash outflow? Any cash actually paid out — payroll, rent, supplier invoices, loan repayments, and taxes.

Why include growth rates? Few businesses have flat income and expenses every month. Setting a modest growth rate for each lets the forecast reflect a business that's scaling, shrinking, or holding steady, instead of assuming nothing ever changes.

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