00 / Free tool
Cash Flow Forecast Tool
Project your 12-month cash flow with customizable monthly inflows, outflows, and one-time events.
01 / Calculator
Cash Flow Forecast Tool
| Month | Inflow | Outflow | Events | Net | Balance |
|---|---|---|---|---|---|
| Jan | -- | $10,000 | $110,000 | ||
| Feb | -- | $10,000 | $120,000 | ||
| Mar | -- | $10,000 | $130,000 | ||
| Apr | -- | $10,000 | $140,000 | ||
| May | -- | $10,000 | $150,000 | ||
| Jun | -- | $10,000 | $160,000 | ||
| Jul | -- | $10,000 | $170,000 | ||
| Aug | -- | $10,000 | $180,000 | ||
| Sep | -- | $10,000 | $190,000 | ||
| Oct | -- | $10,000 | $200,000 | ||
| Nov | -- | $10,000 | $210,000 | ||
| Dec | -- | $10,000 | $220,000 |
One-Time Events
$220,000
Ending Cash
$110,000
Lowest Point
In Jan
12 of 12
Positive Cash Flow Months
None
Negative Balance Months
Running Cash Balance
Monthly Net Cash Flow
02 / Notes
How it works
Cash flow forecasting projects your future cash position by modeling expected inflows (revenue, collections, investments) against outflows (expenses, payroll, loan payments) month by month. Unlike a profit and loss statement, cash flow accounts for the timing of when money actually moves -- you can be profitable on paper but still run out of cash if customers pay late or large expenses hit at the wrong time.
Formula
Monthly Net Cash Flow = Inflows - Outflows + One-Time Events Running Balance = Previous Balance + Net Cash Flow Ending Cash = Starting Cash + Sum of All Monthly Net Cash Flows
Why it matters for your business
Cash flow is the leading cause of small business failure -- not lack of profitability. A business can show healthy profits while simultaneously running out of cash due to timing mismatches between when revenue is earned and when it is collected. Forecasting helps you identify potential cash crunches weeks or months in advance, giving you time to arrange financing, accelerate collections, or delay non-essential spending.
04 / Next step
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