Cash Flow Forecast Calculator
Project your monthly revenue, expenses, and closing cash balance for the next 3–12 months — and spot cash crunches early.
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How this calculator works
Cash flow is not profit. A profitable business can go bankrupt from poor cash flow (e.g. slow receivables, fast payables). A cash flow forecast projects your actual cash position month by month — helping you see a crunch 3 months before it happens, not after.
Closing balance = Opening balance + Revenue − Fixed costs − Variable costs | Repeat monthly, compounding with revenue growth rate
Last updated: March 2026 · Rates and slabs updated for FY 2025-26
13-week rolling forecast
Update your cash flow weekly, not monthly. A 13-week rolling forecast is the gold standard for startup CFOs.
Revenue ≠ cash received
Invoice in November, receive payment in January — your P&L shows profit but your bank is empty. Track cash, not revenue.
Flag negative months early
If any month goes negative, that's your early warning signal — raise a bridge loan, delay hiring, or accelerate collections.
Frequently Asked Questions
Update your cash flow weekly, not monthly. A 13-week rolling forecast is the gold standard for startup CFOs.
Invoice in November, receive payment in January — your P&L shows profit but your bank is empty. Track cash, not revenue.
If any month goes negative, that's your early warning signal — raise a bridge loan, delay hiring, or accelerate collections.