Cash Flow Calculator

Calculate cashflowFor a business to survive long-term, cash is the king of all performance indicators monitored.

Many a profitable business has gone into liquidation because they have a negative bank balance and no more lending agreements available.

Calculate a 12 monthly forecast for sales, start-up costs and regular monthly expenses with this online version.

You can also create your own mini version in a spreadsheet or download our free spreadsheet and calculate your data using Excel.

Your Income Statement

Enter sales as cash received rather than when invoiced. Cash sales should be entered in month one whereas credit or invoiced sales may be received in months two, three or four.

Sales Income for 12 months:
Regular sales received.
Other Income:
Other non-sales income, e.g.: credit interest

Your Start-up costs

Include any type of cost required to set up your business before trading commences

Website Development:
Design, hosting, etc..
Cars and Vans:
Leasing or deposit costs.
Rent and rates:
Monthly rents and taxes.
Purchase of stock:
Initial purchasing of stock.
Register your business:
Incorporation expenses.
Initial marketing:
Local advertising, trade shows, etc..
Company Identity set-up:
Printing, telephones, mobiles, etc..

Ongoing month to month costs

Enter costs and expenses you incur when trading normally. Enter the 12 monthly total in the boxes below:

Insurance:
Public & employee liability.
Trade subscriptions:
Any subscriptions.
Vehicle fuel and maintenance:
Fuel, maintenance and servicing.
Utility Expenses:
Rent, rates, gas, electricity and communications.
Wages & salaries incl. NI:
Gross salaries plus employers NI.
Accountancy:
Accounting expenses.
Marketing costs:
Advertising, brochures and PR.
Stationery:
Office products.
Travel & entertaining:
Hotels, meals and flights.
Pension & medical costs:
Pension and medical liabilities.
Subsistence:
Staff subsistence.
Stock purchase:
Top up of stock levels.
Any other costs:
Any expenses not mentioned above.
Click to calculate the total.
Total Income:
All income combined.
Total Costs:
All costs combined.
Net cash/ (overdraft):
Positive or negative cash flow.

If the "net cash" figure is negative, then you'll require financing to cover that working capital. A negative figure means your overall expenses are higher than your income and will require some form of funding.