Cash Flow Calculator
Calculate your net monthly cash flow and projected ending cash balance from a beginning balance plus recurring monthly inflows and outflows, with an optional month-by-month running-balance breakdown.
Input
Monthly Cash Inflows
Interest, investment income, or any other recurring monthly inflow.
Monthly Cash Outflows
Projection
Off shows just the summary — the projected ending balance without a running monthly table.
Output
| Metric | Value |
|---|---|
| No data yet | |
| Month | Inflows | Outflows | Net Cash Flow | Ending Balance |
|---|---|---|---|---|
| No data yet | ||||
Guides
What this cash flow calculator does
Cash flow is the money moving in and out of your business (or household) each month — and it's a different question from profit. A business can be profitable on paper and still run out of cash if outflows are front-loaded or inflows arrive late. This tool takes your beginning cash balance plus your recurring monthly inflows and outflows, calculates your net monthly cash flow, and projects your ending cash balance forward — with an optional month-by-month running-balance table so you can see exactly which month a shortfall would show up.
How to use it
Enter your beginning cash balance, then break down your recurring monthly cash inflows (operating/sales income, other income) and outflows (operating expenses, loan or debt payments, taxes, other expenses). Pick how many months to project (1–60) and leave "Show Month-by-Month Breakdown" on to see a running balance for every month, or turn it off for just the summary. The result updates as you type.
How it's calculated
Net Monthly Cash Flow = Total Monthly Inflows − Total Monthly Outflows
Projected Ending Cash Balance = Beginning Cash Balance + (Net Monthly Cash Flow × Months)The month-by-month table applies the same net cash flow one month at a time, carrying the running balance forward — so Month 1's ending balance becomes Month 2's starting point, and so on.
This is a flat projection. Inflows and outflows are treated as constant every month — it doesn't account for seasonality, one-time windfalls or expenses, or growth. For a quick "am I on track" projection, that's usually a reasonable simplification; for detailed financial planning, treat the numbers as a starting estimate.
Reading the result
- Positive cash flow status means your cash balance grows every month at the current run rate.
- Negative status means it shrinks — the month-by-month table shows exactly when it would cross zero if you extend the projection far enough.
- Break-even means inflows and outflows are exactly equal.
Frequently asked questions
What's the difference between cash flow and profit? Profit (revenue minus expenses on an accrual basis) can differ from cash flow because of timing — unpaid invoices, prepaid expenses, depreciation, and loan principal payments all affect cash without necessarily showing up the same way on an income statement. This calculator only deals in cash actually moving.
Can I model one-time inflows or expenses, like a big purchase or a windfall? Not directly — every field here is a recurring monthly amount. To approximate a one-time item, spread its effect across the months it applies to, or just check the running balance in the month it would occur.
Why does the ending balance ignore compounding or interest? Cash sitting in an operating account isn't compounding the way an investment does — this tool treats it as a flat balance, matching how a cash flow statement is normally read. For interest-bearing balances, see the Compound Interest Calculator.
My debt payments are already included — should I also count them in "Operating Expenses"? No — keep them separate. Loan/debt payments has its own field so you can see how much of your outflow is debt service versus day-to-day operating cost.
Privacy
Everything runs in your browser. Your cash flow figures are never uploaded or stored.
Use it from code
From 3 credits per callREST API
curl -X POST https://api.iotools.cloud/v1/tool/cash-flow-calculator \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"startingCash": "10000",
"operatingIncome": "8000",
"otherIncome": "500",
"operatingExpenses": "4000",
"debtPayments": "1200",
"taxPayments": "800",
"otherExpenses": "300",
"months": "6",
"includeSchedule": "true",
"currency": "USD"
}'Swap in your own key from your account. The tool's fields are the body — no wrapper.
Ask an AI agent
Use the IOTools `cash-flow-calculator` tool (Cash Flow Calculator) on this input:
YOUR_INPUT_HEREPaste this at any agent connected to the IOTools MCP server, then add your input.