Free Cash Flow Calculator
Know your net cash position instantly
Add your cash inflows and outflows to instantly calculate net cash flow. Supports multiple line items — ideal for monthly cash flow planning.
Cash Inflows
Cash Outflows
What Is a Cash Flow Calculator?
A cash flow calculator helps you track money coming into and going out of your business. By listing all inflows (sales, loans, investments) and all outflows (rent, salaries, supplier payments), it instantly calculates your net cash flow — showing whether your business is generating or consuming cash. Regular cash flow analysis helps prevent liquidity crises and enables better financial planning.
How to Use the Cash Flow Calculator
Step 1 — Add Cash Inflows
List all sources of cash coming in: sales revenue, loans received, investments, rental income, etc. Add as many rows as needed.
Step 2 — Add Cash Outflows
List all cash going out: rent, salaries, supplier payments, utilities, loan repayments, etc.
Step 3 — Read the Result
Instantly see your Total Inflows, Total Outflows, and Net Cash Flow. A positive result means healthy cash position; negative means you need to act.
Who Uses a Cash Flow Calculator?
Small Business Owners
Track monthly cash position by listing all inflows and outflows to spot cash shortfalls before they happen.
Freelancers & Consultants
See whether client payments cover monthly expenses and plan ahead during slow periods.
Startups
Project cash runway by estimating expected inflows (funding, sales) against outflows (salaries, infrastructure).
Accountants
Quickly build a simplified cash flow statement for a client without opening a spreadsheet.
Frequently Asked Questions
What is cash flow?
Cash flow is the net movement of money into and out of your business over a period. Positive cash flow means more money is coming in than going out — a sign of financial health.
What is net cash flow?
Net Cash Flow = Total Inflows − Total Outflows. A positive figure means you generated more cash than you spent; a negative figure means you consumed more cash than you received.
What is the difference between cash flow and profit?
Profit is an accounting concept that includes non-cash items like depreciation. Cash flow tracks actual money moving in and out of the business. A business can be profitable but have negative cash flow if customers haven't paid yet.
Can I add unlimited rows?
Yes, you can add as many inflow and outflow line items as you need. The calculator updates in real time.
Is this calculator free?
Yes, 100% free. No login, no subscription, no limits.