Free Tool · New 2026
Simple Cash Flow Calculator
Enter your opening cash balance, expected inflows (sales, collections) and outflows (expenses, payroll, supplier payments) to see your net cash flow and projected closing balance for the month.
Want an exact number, not an estimate?
This calculator gives a strong planning estimate. For an exact, guaranteed figure, our engineers confirm everything during a free site survey.
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The cash flow formula
- Net Cash Flow = Total Inflows − Total Outflows
- Closing Balance = Opening Balance + Net Cash Flow
Cash flow is different from profit — a business can be profitable on paper (invoices issued) while running out of cash if clients haven't paid yet, or unprofitable in a given month while still holding healthy cash reserves from previous months. Tracking cash flow monthly catches shortfalls before they become a real problem.
Why small installation businesses should track this monthly
Installation and contracting businesses often have a gap between paying for materials upfront and collecting final payment from clients on completion. Running this calculation before committing to a large project's material purchase helps confirm you have — or will have — enough cash on hand to cover the gap.
Need equipment for an upcoming project?
Ask us about staged payment options that can help manage your cash flow on larger installation projects.
Frequently asked questions
Profit is revenue minus expenses on an accounting basis (including invoices not yet paid), while cash flow tracks actual cash moving in and out of your bank account - a business can be profitable but still run short on cash.
Actual cash received: client payments collected, loan proceeds, or owner capital injected - not sales invoiced but not yet paid.
Actual cash paid out: supplier payments, payroll, rent, loan repayments and other operating expenses paid during the period.
It means your projected outflows exceed the cash you have available, which is an early warning sign to delay non-critical payments, chase outstanding invoices, or arrange short-term financing before it becomes a real shortfall.