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Cash Flow Calculator

Estimate operating, investing and financing cash flow plus the ending cash balance for one period.

Instant result No sign-up Editable assumptions

Enter your figures

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Estimate only. Platform fees, taxes and policies vary by country, account, category and date. Verify important decisions against your current statement or official fee schedule.

Operating Cash Flow —
Investing Cash Flow —
Financing Cash Flow —
Net Cash Flow —
Ending Cash Balance —

Calculator guide

Build a practical cash-flow view

Enter only cash actually received or paid during the selected period. Revenue earned but not collected and expenses recorded but not paid belong in accrual reporting, not this cash schedule.

Operating cash flow combines customer receipts with supplier, payroll, overhead, tax and other operating payments. Investing cash flow covers asset sales and purchases. Financing cash flow covers loans, owner funding, repayments and withdrawals.

The ending cash balance equals starting cash plus net cash flow. Reconcile it with bank balances and explain timing differences, transfers and restricted cash.

Create base, downside and upside scenarios. A profitable company can still run out of cash when receivables, inventory or debt payments consume liquidity.

Formula

Build a practical cash-flow view

Net cash flow = Operating cash flow + Investing cash flow + Financing cash flow; Ending cash = Starting cash + Net cash flow

  1. Calculate operating cash receipts minus operating payments.
  2. Calculate asset sales minus asset purchases.
  3. Calculate financing inflows minus repayments and withdrawals.
  4. Add all sections to starting cash.

Worked example

Worked example

Inputs

Scenario
Starting cash of $10,000 plus $6,000 operating, −$3,000 investing and $3,500 financing cash flow produces $16,500 ending cash.

Results

Result
Starting cash of $10,000 plus $6,000 operating, −$3,000 investing and $3,500 financing cash flow produces $16,500 ending cash.

Rounded planning example; replace assumptions in the live calculator.

Frequently asked questions

Cash Flow Calculator FAQ

What should I verify before using this calculator?

Verify the reporting period, included cost categories, units, currency and source records. Save those assumptions with the result.

How accurate is the result?

The arithmetic follows the displayed formula. Accuracy depends on complete inputs, consistent definitions and values from the same reporting period.

Can I use another currency?

Yes. Keep every monetary input in the same currency. The calculator does not convert exchange rates.

Should I use forecast or actual data?

Use actual data for performance review and documented assumptions for planning. Label forecasts clearly and compare them with actual results later.

Why should I compare several periods?

One period can be distorted by seasonality, promotions, delayed payments or unusual purchases. A consistent trend is more informative.

Is this accounting, tax or professional advice?

No. It is an independent planning tool. Reconcile results with your accounting records and qualified advisers where required.

Are my inputs uploaded?

No. Calculator inputs are processed locally in the browser and do not need to be sent to a server.

Primary sources

Official references and further reading

Editorially reviewed: 2026-07-21

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