Cash Flow Projection

Required Inputs

Starting Cash Balance

Sales Revenue

Monthly Revenue Growth (%)

Cost of Goods Sold

Salaries & Wages

Rent & Utilities

Marketing & Advertising

Other Operating Expenses

Months to Project

Optional Inputs

Other Income

Interest, investments, etc.

Loan Payments

Cash Flow Summary

Ending Cash Balance

Total Cash In

Total Cash Out

Net Cash Flow

Avg Monthly Cash Flow

Lowest Cash Balance

Monthly Cash Flow Projection

Month	Starting Balance	Cash In	Cash Out	Net Flow	Ending Balance

Understanding Cash Flow

What is Cash Flow?

Cash flow is the movement of money in and out of your business. Positive cash flow means more money is coming in than going out. Negative cash flow means you're spending more than you're earning.

Why Cash Flow Matters

Cash flow is different from profit - you can be profitable but cash-poor
82% of small business failures are due to poor cash flow management
Positive cash flow allows you to invest in growth opportunities
Understanding cash flow helps prevent shortfalls and overdrafts
Lenders and investors closely examine cash flow statements

Improving Cash Flow

Speed Up Collections: Offer early payment discounts, invoice promptly
Delay Payments: Negotiate longer payment terms with suppliers
Reduce Inventory: Don't tie up cash in excess inventory
Control Expenses: Review and cut unnecessary costs
Improve Margins: Increase prices or reduce COGS
Consider Financing: Line of credit for short-term needs

Cash Flow Warning Signs

Consistently negative cash flow
Rapidly declining cash balance
Unable to pay bills on time
Relying heavily on credit cards or loans
Customers paying slower than usual

Cash Flow Calculator