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Calculators · Finance and accounting tools

Cash Flow & Capital Needs Calculator

Project cash in, cash out, and your cash balance month by month, then see how much additional capital you need.

Estimate based on the rules as of 1 November 2026. Calculated on your device.

How it is calculated

  1. Each month: closing balance = opening balance + cash in − cash out.
  2. Cash in and cash out can grow by a monthly percentage (compounded) for a growing business.
  3. Additional capital needed = the gap between the minimum balance you want to keep and the lowest balance during the projection.

Include every payment that actually goes out, including loan instalments, stock purchases, and taxes. Cash flow is not the same as profit: even a profitable business can run out of cash when receivables are slow to come in.