Cash Flow Calculator
Enter your operating, investing, and financing cash flows to instantly see net cash flow, free cash flow, and cash runway.
How much cash you have in the bank at the start of the period (month, quarter, or year).
♿ Operating Cash Flow (OCF)
Cash from running your core business: collecting from customers, paying suppliers and staff, and covering operating expenses.
🛒 Investing Cash Flow
Cash spent on or received from long-term assets: buying equipment, selling property, or acquiring other businesses.
🏦 Financing Cash Flow
Cash from financing activities: new loans, loan repayments, equity raises, and dividend payments.
💰 Net Cash Flow
—
— ending cash balance
Operating CF
—
core operations
Investing CF
—
assets & CapEx
Financing CF
—
debt & equity
Free Cash Flow (FCF)
—
OCF − CapEx
Cash Runway
—
months of cash
OCF Margin
—
OCF / revenue
FCF Margin
—
FCF / revenue
Ending Cash
—
after all flows
💡 What these numbers mean
—
📚 Master your business cash flow
📚 See top-rated cash flow books on Amazon →📝 How to use this cash flow calculator
- Enter your starting cash balance — the amount in your business bank account at the beginning of the period.
- Enter operating cash flow — cash collected from customers minus cash paid for operations (suppliers, salaries, rent, utilities).
- Enter investing cash flow — capital expenditures (equipment, software, property purchases) minus proceeds from asset sales.
- Enter financing cash flow — new debt or equity raised minus debt repayments and dividends paid.
- Click Calculate — see net cash flow, free cash flow, OCF margin, FCF margin, ending cash balance, and cash runway instantly.
📌 5 tips to improve your cash flow
- ✓ Accelerate receivables. Invoice immediately, offer 1-2% early-payment discounts, and use automated reminders. Cutting your average collection period from 45 to 30 days frees up a month of working capital.
- ✓ Extend payables strategically. Negotiate Net-60 or Net-90 terms with suppliers. The gap between collecting from customers and paying suppliers is free short-term financing.
- ✓ Track OCF margin, not just revenue. If revenue grows 20% but OCF margin shrinks from 15% to 5%, you are growing into a cash trap. Healthy businesses maintain OCF margin above 15-20%.
- ✓ Keep a rolling 13-week cash forecast. Update weekly with actuals vs. projected. This catches shortfalls 8-12 weeks before they hit, giving you time to secure a credit line or delay CapEx.
- ✓ Maintain a minimum cash buffer. Keep at least 2-3 months of operating expenses in reserve. Seasonal businesses need 4-6 months. The buffer turns predictable problems into manageable ones.
Disclaimer: This calculator provides cash flow estimates for educational and planning purposes only. The simplified model does not account for non-cash adjustments, working capital changes, tax timing, or accrual-to-cash reconciliations. For investment, lending, or tax decisions, consult a CPA or financial advisor.
Related Tools
Cash flow is the lifeblood of any business. These nine calculators cover the rest of your financial picture — from working capital and burn rate to break-even analysis, ROI, profit margins, overhead costs, and overall financial health scoring.
- Working Capital Calculator — measure short-term liquidity: current assets minus current liabilities, the cushion that keeps cash flow gaps from becoming crises.
- Burn Rate Calculator — how fast is your cash disappearing? Calculate monthly net burn and runway before you hit zero.
- Break-Even Calculator — find the revenue level where operating cash flow turns positive and every additional dollar drops to the bottom line.
- Profit Margin Calculator — convert revenue into profit margin: the accounting counterpart to OCF margin in your cash flow analysis.
- ROI Calculator — measure the return on each investment: compare CapEx decisions against the cash flow they generate.
- Overhead Cost Calculator — the fixed costs that your operating cash flow must cover before any cash becomes free for investing or financing.
- Depreciation Calculator — the non-cash expense that bridges profit and cash flow: understand why net income and OCF differ.
- Loan Payment Calculator — model the debt service that flows through your financing cash flow section each period.
- Financial Health Score Calculator — a 10-factor composite score that puts your cash flow in the full context of business financial health.