Cash Flow Forecast Calculator

Estimate whether your business will finish the month with enough cash after income, operating costs, repayments, tax set-aside, and one-off expenses.

Enter Your Monthly Figures

Opening Cash Balance ($)

Expected Monthly Income ($)

Fixed Monthly Costs ($)

Variable Costs ($)

Loan / Finance Repayments ($)

Tax / GST Set Aside ($)

Wages / Owner Drawings ($)

One-Off Costs This Month ($)

Forecast Result

Projected Closing Cash Balance $0

Total Cash In $0

Total Cash Out $0

Net Monthly Cash Movement $0

Enter figures and calculate your result.

How to Use This Calculator

This calculator gives a simple monthly cash flow forecast. It is designed to help business owners understand whether expected income is likely to cover outgoing costs and leave enough cash in the business.

It is not a replacement for formal accounting advice, but it is useful for identifying early warning signs. If the closing balance is low or negative, the business may need to improve collections, reduce costs, adjust pricing, delay spending, or review cash reserves.

Important: Cash flow is different from profit. A business can be profitable on paper and still run short of cash if payments are delayed, costs are rising, or obligations fall due before income is received.