Project monthly cash in/out and ending balance over a 12-month horizon.. Free online, browser-based tool with instant results and no signup.
Enter your values
Open the Cash Flow Projection Calculator and fill in the required input fields with your numbers or selections.
Review the calculation
The tool automatically computes the result as you type. Double-check your inputs to ensure accuracy.
Interpret your results
Review the calculated output along with any breakdowns, charts, or explanations provided to understand what the numbers mean for your situation.
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A cash flow projection forecasts how much money will move in and out of your business over a future period. Unlike a profit and loss statement, it tracks actual cash timing, which matters because profitable businesses can still run out of cash.
Cash is the lifeblood of any business. A projection helps you anticipate shortfalls before they become emergencies, plan for large purchases or investments, negotiate better terms with vendors and lenders, and make data-driven decisions about hiring and growth.
This calculator applies your monthly growth rate as a compound figure. For example, 5% monthly growth on $50,000 revenue yields $51,340 in month 3 (not $57,500). Over 12 months, 5% monthly growth results in roughly 80% annual growth due to compounding.
If your projection shows negative cash months, consider building a cash reserve, securing a line of credit before you need it, adjusting payment terms with customers and vendors, or timing large expenses to coincide with high-revenue periods.