Paste income and expense amounts to calculate net cash flow, annualized flow, and margin.
Planning estimate only. Results depend on the values and assumptions you enter and are not financial, tax, legal, or lending advice.
Start with the broad calculator that matches the decision, then move to a specialist only when the loan structure, cash flow, tax treatment, debt strategy or savings goal genuinely changes.
Keep the primary list totals above, then project a simple monthly cash balance with explicit opening cash, recurring inflow/outflow growth, and a 1–36 month horizon.
This is a deterministic planning scenario, not accounting, tax, or financing advice.
Positive net cash flow means the entered inflows exceed the entered outflows for the selected period; negative flow means the opposite. This simple summary does not replace an accounting cash-flow statement, and irregular annual expenses should be converted to a comparable period before judging the monthly result.
Summing listed inflows and outflows answers the current-period question. A forecast adds a different question: how the opening cash balance changes when recurring inflows and outflows continue over time. Keep those two views distinct so a strong current month is not mistaken for a sustainable runway.
A monthly growth percentage is applied repeatedly, so a small rate can materially change a 12–36 month result. Use conservative inflow assumptions and realistic cost growth, then run a second scenario with worse revenue or higher expenses. Comparing scenarios is more informative than reporting one precise-looking ending balance.
The first projected negative month shows when this simplified model crosses below zero. It does not include financing availability, payment timing inside each month, taxes, restricted cash, credit terms, or one-time shocks unless you model them explicitly. Treat the runway month as a planning signal and reconcile it against an actual cash calendar.
If you use primary inflow and outflow lists, verify that refunds, transfers, debt proceeds, capital purchases, and non-cash accounting entries are classified consistently. A useful audit keeps the opening cash, base monthly totals, growth assumptions, horizon, and ending balance together so another reviewer can reproduce the scenario without guessing.
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