Cash Flow Forecast Calculator

About this calculator

A cash flow forecast projects the ending cash balance for future periods by rolling a starting balance forward with expected monthly inflows minus outflows — the simplest form of the rolling cash-flow tools (like a “13-week cash flow”) used across small business finance.

It differs from a profit-and-loss forecast because it tracks actual cash timing, which is what catches a dangerous gap that a P&L would miss — a month that looks profitable on paper but still runs the bank account dry because receivables land late and payables are due early. This calculator is used by small business owners, bookkeepers, and startup founders managing runway and avoiding overdrafts.