Calculator
Cash Flow Calculator
Estimate net cash flow and ending cash from starting cash, cash received, and cash paid out.
Result
Net cash flow
$8,000.00
Cash at end of period
$33,000.00
How to use this calculator
What this calculator does
Estimate net cash flow and ending cash from starting cash, cash received, and cash paid out.
How to use it
Enter your cash at start of period, cash received, and cash paid out, then review the result, formula, example, and FAQs below. Try a few scenarios to see which inputs move the result most.
What the result means
Use the result as a direct calculation from the values you entered. If it looks off, check the inputs and formula shown on this page.
Browse more business calculators for related estimates and comparisons.
Business results are estimates for planning and education. They are not business, legal, tax, employment, accounting, or financial advice.
Scenario guidance
When to use this
Use this when checking a simple cash movement estimate for a month, quarter, project, or operating period.
Example scenario
A small business owner wants to estimate whether expected receipts and payments leave enough cash at the end of the month.
Inputs that usually matter most
- Cash at start of period, because it sets the beginning balance.
- Cash received, including customer payments, owner contributions, or other inflows.
- Cash paid out, including supplier payments, payroll, rent, taxes, refunds, and operating costs.
Common mistake to avoid
Do not confuse profit with cash flow; invoices, payment timing, inventory purchases, debt payments, and refunds can change cash.
How to interpret the result
Use net cash flow and ending cash as planning estimates, then compare with actual bank activity, accounting records, and payment timing.
Results are estimates for planning and education. They are not accounting, tax, legal, business, or financial advice.
Formula
Net cash flow is cash received minus cash paid out. Ending cash adds net cash flow to cash at the start of the period.
Example cash flow
$25,000 starting cash, $40,000 received, and $32,000 paid out gives $8,000 net cash flow and $33,000 ending cash.
Frequently Asked Questions
Is cash flow the same as profit?
No. Profit follows accounting rules, while cash flow focuses on money received and paid during the period.
Can ending cash be negative?
Yes. A negative result means cash paid out exceeded available starting cash plus cash received in this simple estimate.
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