Cash Flow Calculator

Tracking how money actually moves into and out of your household or business is the foundation of staying solvent. A clear view of cash flow lets you see shortages before they arrive, set aside for growth, and decide with real numbers rather than guesswork.

The math here is direct: Total Cash Inflows minus Total Cash Outflows equals Net Cash Flow. Every income source you enter, whether salary, sales revenue, or investment dividends, is added up, and every expense, from rent and payroll to supplies and loan payments, is subtracted. Each item can be weekly, bi-weekly, monthly or annual; the calculator converts them all to monthly amounts (weekly × 52 / 12, bi-weekly × 26 / 12, annual / 12) and multiplies the monthly net by 12 for an annual projection. A positive result means a surplus for that stretch; a negative one signals a deficit.

Profit and cash flow are not the same thing, and confusing the two is what catches many otherwise healthy businesses off guard, since delayed payments or stockpiled inventory can drain cash even when the books show a profit. What matters is when money actually arrives and leaves, not when an invoice is sent or received. Build in the irregular and one-time items too, because a single large outlay or windfall can swing your cash position sharply.