Cash Flow Calculator - Net Cash Flow and Runway

Calculator Type

The Period You Are Counting

Cash in the Bank at the Start ($)

Leave at zero if you only want the flow and not the balance.

Cash In: Sales and Customer Payments ($)

Money that actually landed, not money invoiced.

Cash In: Everything Else ($)

Interest, refunds, tax rebates, loan drawdowns, owner contributions, transfers in.

Cash Out: Operating Costs ($)

Stock, rent, utilities, software, marketing, professional fees.

Cash Out: Payroll ($)

Wages, contractors and the employer costs that go with them.

Cash Out: Loan and Interest Payments ($)

Cash Out: Tax ($)

Cash Out: Everything Else ($)

Equipment, drawings, dividends, one-off costs.

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Cash at the Start of the Period ($)

Net Income ($) *

The bottom line of the income statement. A loss goes in as a negative number.

Depreciation and Amortisation ($)

An expense that moved no cash, so it is added straight back.

Increase in Accounts Receivable ($)

How much more your customers owe you than at the start. More owed means less cash, so this is subtracted. Enter a negative number if receivables fell.

Increase in Inventory ($)

Cash turned into stock on the shelf. Subtracted. Negative if stock was run down.

Increase in Accounts Payable ($)

Bills you have not paid yet, so the cash is still with you. Added. Negative if you paid suppliers down.

Other Operating Adjustments ($)

Stock compensation, deferred tax, provisions, a gain on a sale that belongs in investing. Positive adds cash back.

Capital Spending ($)

Property, plant, equipment and capitalised software bought in the period.

Proceeds from Selling Assets ($)

Other Investing, Net ($)

Securities bought or sold, acquisitions, loans made. Positive means cash came in.

New Borrowing ($)

Debt Repaid ($)

Principal only. Interest belongs in operating.

Equity Raised ($)

Dividends and Distributions Paid ($)

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