Cash Flow Calculator – Monthly Business Cash Flow

Calculate monthly business cash flow by tracking all income and operating expenses.

Monthly revenue ($)

Cost of goods sold ($)

Operating expenses ($)

Loan payments ($)

Other expenses ($)

About This Calculator

Calculate monthly business cash flow by tracking all income and operating expenses. Use the calculator above for instant results.

Worked Examples

Example 1: $50K revenue, $20K COGS, $15K opex, $2K loan

Gross: $30K | Expenses: $18K | Cash flow: +$12,000/month

Answer: $12,000/month

Example 2: Break-even scenario

$30K revenue, $20K COGS, $10K opex | Cash flow: $0

Answer: Break-even

Example 3: Negative cash flow

$20K revenue, $15K COGS, $10K opex | -$5,000/month — URGENT

Answer: $-5,000 — urgent

Who Uses This Calculator?

💼

Business Owners

Track monthly business cash flow.

📊

CFOs

Monitor financial health dashboard.

🏦

Lenders

Assess business loan repayment ability.

💰

Investors

Evaluate business viability.

Common Mistakes to Avoid

❌ Confusing profit with cash flow

Profitable businesses can fail from poor cash flow. Timing of payments matters — accrual accounting profit differs from cash in hand.

❌ Ignoring seasonal variation

Cash flow varies by month. Plan for slow seasons by building reserves during strong months.

Frequently Asked Questions

What is cash flow?

Money actually received minus money actually paid out in a period. Positive = more in than out. Negative = burning cash.

Burn rate?

For startups: monthly cash expenditure. Runway = cash on hand / burn rate. Critical metric for venture-backed companies.

Improve negative cash flow?

Speed up receivables, negotiate payment terms, cut non-essential expenses, raise prices, or seek short-term financing.