Cash Flow Calculator
Project your balance over the coming months and see how long your cash will last. A simple way to plan ahead and avoid surprises.
Forecast your cash flow
Months of runway only appear when your monthly cash flow is negative.
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How it works
Three steps to a clear cash flow forecast.
Enter your starting balance
Begin with the cash you have on hand today across your business accounts.
Add income and expenses
Enter your typical monthly income and monthly expenses so the tool can calculate your net cash flow.
See your forecast
Choose how many months to project and view your projected balance and your runway if cash flow is negative.
Frequently Asked Questions
Common questions about cash flow and runway.
Cash flow is the money moving in and out of your business over a period of time. Positive cash flow means more money is coming in than going out. Negative cash flow means you are spending more than you bring in, which slowly reduces your balance.
Runway is the number of months your cash will last if your spending stays higher than your income. The calculator shows runway only when your monthly cash flow is negative, since with positive cash flow your balance keeps growing.
Send invoices promptly, set shorter payment terms, and follow up on overdue payments. On the expense side, review recurring costs and time large purchases for stronger months. Getting paid faster is often the quickest way to improve cash flow.
No. Profit is income minus expenses on paper, while cash flow is the actual timing of money entering and leaving your accounts. A profitable business can still run low on cash if clients pay late, which is why tracking cash flow matters.
Get paid faster, plan with confidence
Invoice My Clients helps you send invoices quickly and chase overdue payments, so your cash flow stays healthy.
Now make the invoice, free and with no signup.
A professional PDF in about a minute. No account, no invoice limit.
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