Cash Flow Calculator

Having adequate cash flow is essential to keep your business running. If you run out of available cash, you run the risk of not being able to meet your current obligations such as your payroll, accounts payable and loan payments. Use this calculator to help you determine the cash flow generated by your business.

Your ending cash balance is projected to be CASH_AT_END_OF_PERIOD.

Your beginning cash balance was CASH_AT_BEGINNING_OF_PERIOD. Your ending cash balance is projected to be CASH_AT_END_OF_PERIOD. Operations generated OPERATION_NET_CASH_AVAILABLE in cash flow for the period, investment generated INVESTMENTS_NET_AVAILABLE and financing generated FINANCING_NET_AVAILABLE. **GRAPH**

Direct Cash Flow Statement

Operating Cash Flow
Received from customers OPERATING_RECEIVED_FROM_CUSTOMERS
Other cash receipts OPERATING_OTHER_CASH_RECEIPTS
Total received OPERATING_TOTAL_RECEIVED
Inventory OPERATING_FOR_INVENTORY
Insurance OPERATING_FOR_INSURANCE
Rent and lease OPERATING_RENT_AND_LEASE
Advertising OPERATING_FOR_ADVERTISING
Payroll OPERATING_FOR_PAYROLL
Other payments OPERATING_OTHER_PAYMENTS
Interest paid OPERATING_INTEREST_PAID
Taxes OPERATING_TAXES
Total used OPERATING_TOTAL_USED
Net cash available OPERATION_NET_CASH_AVAILABLE
Investment Cash Flow
Sale of property INVESTMENTS_SALE_OF_PROPERTY
Sale of investments INVESTMENTS_SALE
Other activity INVESTMENTS_OTHER_ACTIVITY
Total received INVESTMENTS_TOTAL_RECEIVED
Capital expenditures INVESTMENTS_CAPITAL_EXPENDITURES
Purchases INVESTMENT_PURCHASES
Other Use INVESTMENTS_OTHER_USE
Total used INVESTMENTS_TOTAL_USED
Net available INVESTMENTS_NET_AVAILABLE
Financing cash flow:
New borrowing FINANCING_NEW_BORROWING
Stock issuing FINANCING_STOCK_ISSUING
Capital contributions FINANCING_CAPITAL_CONTRIBUTIONS
Total received FINANCING_TOTAL_RECEIVED
Loan repayments FINANCING_LOAN_REPAYMENTS
Dividends paid FINANCING_DIVIDENDS_PAID
Other distributions FINANCING_OTHER_DISTRIBUTIONS
Total used FINANCING_TOTAL_USED
Net available FINANCING_NET_AVAILABLE
Cash flow balances
Cash at beginning of period CASH_AT_BEGINNING_OF_PERIOD
Cash at end of period CASH_AT_END_OF_PERIOD

Cash Flow Calculator Definitions

Cash at beginning of period
Total cash available at the beginning of the period.
Cash at end of period
Total cash calculated for the end of the period. If this amount is lower than your beginning balance, your business has a negative cash flow. If this amount is negative, you may need to increase your cash flow to maintain your current operations.
Received from customers
Cash received from your customers for the period. Make sure this amount is based on your actual receipts, not your booked sales. An increase in your accounts receivable may increase your profit on paper, but it does not change your cash flow.
Other cash receipts
Any other cash received during this period. Again, make sure this amount is based on the amount actually received.
For inventory
Total cash paid for the period to purchase inventory. Like your cash received, your cash paid during a period should be your actual cash payments.
For insurance
Total cash paid for insurance, advertising, rent payments and lease payments.
For payroll
Total cash paid for your payroll and employment taxes.
Other payments
Any other cash paid during this period for your operations. This may include one-time expenses or incidentals such as postage, couriers, or office supplies.
Interest paid
Total interest expenses you paid during this period.
Sale of property
Include any cash received during this period from the sale of assets, including real estate, tangible assets and intellectual property.
Sale
Cash received from the sale of any investments held. This includes the sale of investments in other companies, the sale of stock and the sale of bonds. It does not include issuing new stock or bonds for your company. This source of income is included in the financing section of your cash flow statement.
Other activity
Any other cash received from your investment activities.
Capital expenditures
Cash used to purchase capital equipment or land for use in your business.
Purchases
Cash used to purchase new or increase the holdings of your investments. Like the sale of investments, only include the purchase of external investments. Stock buy back, and debt retirement are included in the finance section of your cash flow statement.
Other Use
Cash used for any other investment activity.
New borrowing
Net new borrowing for the period. Include new borrowing as well as the net increase in any line of credit borrowing.
Stock issuing
Net cash received from issuing stock. Make sure this is the net amount, after any fees have been taken into account.
Capital contributions
Any cash received from the owner(s) for the period.
Loan repayments
Total loan principal repayments for the period. Do not include interest. Interest is included in the operating expenses of the cash flow statement.
Dividends paid
Any cash dividends paid for the period.
Other distributions
Any other financial distributions made during this period.


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