Free calculators and forecasting models to track net cash flow, project multi-month runway, and prevent working capital shortfalls.
Quickly work out your cash inflow, outflow and net cash flow.
Plan 3, 6 or 12 months of cash flow by business type.
Model month-by-month startup cash burn, revenue ramp, runway, and funding gap over a 6 to 24 month horizon.
One of the most dangerous misconceptions in small business management is assuming that a profitable business cannot fail. In reality, hundreds of profitable companies enter liquidation every year simply because their cash inflows and outflows do not align in time.
Profit is an accounting construct governed by accrual accounting principles. When you deliver a product or complete a consulting project, revenue is recognized immediately on your Profit & Loss (P&L) statement, even if your client has 60 days to pay the invoice. If your operational expenses for that job were $4,000 and the invoiced value was $10,000, your business records a $6,000 profit on paper.
Cash flow is cold reality. Until the client actually wires that $10,000 into your commercial bank account, you cannot spend it. Meanwhile, your rent, utilities, contractor payroll, and supplier bills are due on the first of the month. If you are waiting on $50,000 in receivables while facing $30,000 in immediate obligations with only $10,000 in the bank, your company experiences a cash flow crisis despite posting record profits.
Effective financial leadership requires managing both metrics in tandem. Use our Cash Flow Calculator to audit your current monthly burn rate, and use the Cash Flow Forecast Generator to model working capital dynamics and protect your operating reserves across multiple quarters.
Last updated: October 10, 2026
