Small business cash flow forecast
Full instructions and common questions
Small business cash flow forecast
Forecast customer receipts, other income, fixed and variable costs, debt, and tax by month. Closing cash rolls into the next month, with CSV export.
How to use
- Choose a start month, opening cash, currency, and a 3, 6, or 12-month horizon.
- Enter when cash is expected to arrive or leave in each month.
- Review closing balances and negative-cash months; adjust assumptions as needed.
- Export CSV and compare it with bank, receivables, payables, and accounting records.
Try an example
With 10,000 opening cash, 8,000 receipts, 500 other income, 6,000 fixed/variable costs, and 1,000 tax payments, closing cash is 11,500 and becomes next month’s opening balance.
Limits and privacy
This is arithmetic based on your inputs. It does not connect to a bank or ledger and is not accounting, tax, or financial advice. Forecasts depend on cash timing assumptions; verify records and local rules before decisions.
Common questions
Why enter the month cash arrives instead of the invoice month?
Cash flow tracks actual expected receipts and payments, which may occur in a different month than invoicing or revenue recognition.
Does a negative balance mean insolvency?
No. It means the current scenario’s cumulative cash falls below zero; verify assumptions and consider collection, spending, or funding plans.