How is cash flow different from profit?

Profit is an accounting concept (Revenue minus Expenses). Cash flow is physical money. You might have 'profit' on paper because you sold a product, but if the customer hasn't paid you yet, you have no 'cash' to pay your own bills.

← All Tools

Finance

Cash Flow Forecast Calculator - Business Planning

Project future cash inflows and outflows to manage your business liquidity and avoid cash shortages.

Profitable businesses can still fail if they run out of cash. Cash flow forecasting is the process of estimating the timing and amount of money moving in and out of your bank account. By projecting your ending cash balance several months into the future, you can anticipate 'dry spells' and plan for financing or adjust your spending before a crisis occurs.

Starting cash

Monthly inflow

Monthly outflow

Months

Currency

Projected ending cash

€11,000.00

Projected cash after 12 months: €11,000.00

Starting cash€5,000.00

Net monthly cash flow€500.00

Total Period12 months

How it Works

The tool calculates the net change each month (Inflow minus Outflow), multiplies it by the number of months, and adds it to your starting balance to show the future cash position.

Calculation Formula

Ending Cash = Starting Cash + (Net Flow × Months)

Calculation Examples

1. **Growth Phase**: $10,000 starting, $5,000 in, $4,000 out. In 12 months, you will have **$22,000**.

Why use this tool in your daily life?

Ensure business survival. This service helps you look around the corner, identifying potential cash shortfalls months in advance so you can secure credit lines or reduce expenses before they become an emergency.