Cash Flow Calculator
Enter your opening balance, cash in, and cash out to see net cash flow and closing balance.
How to use this calculator
- 1Enter your opening cash balance for the period.
- 2Enter the cash that came in and the cash that went out.
- 3See your net cash flow and the closing balance you end the period with.
How the Cash Flow Calculator works
Cash flow is the movement of money in and out of your business over a period, and it is what actually keeps the lights on. Net cash flow is simply cash received minus cash paid out; add it to your opening balance and you get the cash you finish the period with.
Cash flow is not the same as profit — a profitable business can still run out of money when clients pay late. That is why prompt invoicing, shorter payment terms and chasing overdue accounts do more for a small business than almost anything else. Model the period here, then tighten the biggest leak.
Ready to bill for it?
Create a professional invoice in one sentence with Aviy’s free AI invoice generator.
Create an invoice freeFrequently asked questions
What is cash flow?
The money moving in and out of your business over a period. Net cash flow is cash in minus cash out — positive means you built cash, negative means you burned it.
Is cash flow the same as profit?
No. Profit can look healthy while cash runs dry if clients pay late. Cash flow tracks actual money movement, which is why getting invoices paid on time matters.
How do I improve cash flow?
Invoice promptly, shorten payment terms, chase overdue accounts, and smooth big outgoings. Faster invoicing is the simplest lever.
Related reading
Monthly Revenue Planning for Small Businesses: A Practical Guide
Monthly revenue planning made simple: forecast income, set targets, smooth cash flow and get paid on time with practical steps, templates and examples.
Continue Reading
Building Healthy Cash Flow: The Complete Guide for Small Businesses
Learn how building healthy cash flow keeps your business solvent. Practical strategies to forecast, collect faster, and stay cash-positive in 2026.
Continue Reading
How Deposit Invoices Protect Your Business
Deposit invoices protect your cash flow and reduce risk. Learn how to request, structure and send a deposit invoice that gets you paid before work starts.
Continue Reading
How to Reduce Outstanding Invoices and Get Paid Faster
Learn how to reduce outstanding invoices with proven systems for billing, reminders and payment terms so you get paid faster and protect cash flow.
Continue Reading
Retainer Billing Explained: How It Works and When to Use It
Retainer billing explained simply: how retainers work, the main types, pricing, contracts, and how to invoice clients for predictable monthly income.
Continue Reading