Business
Cash Flow Calculator
Work out monthly net cash flow and where the balance lands after a few months.
Result
Cash in means money actually collected, not invoiced. For contractors those two figures can differ by a month or more, which is precisely where cash-flow trouble hides.
Get a Free Business AuditQuestions
About this calculator
Why is my cash flow negative when I am profitable?
Timing. Wages and materials go out weekly while customer payments arrive on 30 or 60 day terms. The faster you grow, the wider that gap gets.
How do I improve it quickly?
Invoice the day the job finishes rather than at month end, take deposits on material-heavy jobs, and chase overdue accounts systematically. All three are faster than winning more work.
Put this calculator on your site
Free to embed. Paste this where you want it to appear. It stays up to date automatically because it loads from BDEVY.
Please keep the attribution line. It is the only thing we ask in return.
Keep going
Related calculators
Working Capital Calculator
Measure whether you have enough short-term assets to cover short-term obligations..
Open calculatorBurn Rate Calculator
Calculate gross and net monthly burn, and how long the cash lasts at that rate..
Open calculatorRunway Calculator
Work out how many months of cash you have left, and what it takes to extend it..
Open calculatorGood numbers still need customers
BDEVY builds the marketing, websites, CRM and automation that turn a healthy spreadsheet into a busy schedule. The audit is free and you keep the findings.