Cash Flow Calculator
Having adequate cash flow is essential to keep your business running. Use this calculator to help you determine the cash flow generated by your business.
How the cash flow calculator works
It subtracts the cost of goods and operating expenses from revenue to find operating cash flow, then nets out debt payments and taxes (and adds other income) to show the cash your business actually keeps each month.
Worked example: with revenue / sales of $60,000, cost of goods sold of $24,000 and operating expenses of $18,000, the cash flow calculator shows net positive cash flow of $12,500.00.
- Gross profit
- $36,000
- Operating cash flow
- $18,000
- Net cash flow
- $12,500
- Cash flow margin
- 20.8%
The formula
Net cash flow = revenue − COGS − operating expenses + other income − debt payments − taxes.
Results are estimates for educational purposes and are not financial advice. Confirm exact figures with your lender, plan administrator or advisor.
Questions about the cash flow calculator
Why is cash flow more important than profit?
Profit is an accounting figure; cash flow is the real money available to pay bills, staff and loans. A profitable business can still fail if it runs out of cash.
What is operating cash flow?
The cash generated by core operations — revenue minus cost of goods and operating expenses — before financing and taxes. It shows whether the business itself produces cash.
How do I improve cash flow?
Collect receivables faster, manage inventory tightly, negotiate longer supplier terms, and control expenses. Timing of cash in and out matters as much as the totals.
Is the Cash Flow Calculator free to use?
Yes. Every calculator on FinCalculators is completely free, with no sign-up, login or paywall. You can run as many scenarios as you like.