Free calculator
Cash flow calculator and forecast tool
Project cash, net movement and runway across base, best and worst case scenarios. Nothing is uploaded — the maths runs in your browser and matches the engine behind NanoFora's cash flow forecasting software.
- Free to use
- No sign-up
- 3–24 month forecast
- Three scenarios
Methodology
How to calculate a cash flow forecast
A cash flow forecast starts with cash available today, adds expected cash receipts and subtracts expected cash payments for each future period. This tool then adjusts those flows using transparent scenario assumptions.
Core formula
Closing cash = Opening cash + Cash inflows − Cash outflows
- 1. Establish opening cash. Use the unrestricted bank balance available at the forecast start.
- 2. Estimate monthly inflows. Start with collected revenue rather than invoiced revenue when possible.
- 3. Estimate monthly outflows. Include payroll, suppliers, rent, taxes, debt and planned investments.
- 4. Stress-test the forecast. Compare realistic upside and downside cases instead of relying on one projection.
Worked example
A business begins with $120,000 in cash, receives $85,000 per month and pays $74,000 per month. Before growth or collection adjustments, monthly net cash flow is $11,000. The forecast shows how that balance changes when revenue growth, expenses and payment timing move differently in each scenario.
What the result means
Closing cash shows the estimated balance at the end of the selected horizon. A negative month identifies a potential funding gap. Runway is the time available before cash falls below zero under the assumptions entered.
Base
270,484
Closing cash · net 150,484
Best case
852,971
Closing cash · net 732,971
Worst case
-553,750
Closing cash · net -673,750
Projected cash balance
What this tells you
In the worst case your cash balance turns negative in 2027-02. That is the month to plan financing, cost action or collections around.
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Continue your analysis
Combine cash forecasting with profitability and liquidity calculations for a more complete operating view.
From calculator to a forecast you can defend
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Questions
- How does this cash flow forecast calculator work?
- It takes your opening cash, average monthly revenue and average monthly expenses, then compounds growth and collection timing across the horizon you choose to produce base, best and worst case cash balances.
- How accurate is a manual cash flow forecast?
- A manual forecast is only as good as its averages. NanoFora's cash flow forecasting software rebuilds the same maths from your real transactions, learns payment timing and backtests itself against closed months.
- What is a healthy cash runway?
- Most operators aim for six to twelve months of runway. If the calculator shows closing cash below zero inside the horizon, that is the month to plan around.
- Do I need an account to use the calculator?
- No. The calculator runs entirely in your browser and nothing is stored. Create a free workspace when you want the forecast built from your own ledger.
NanoFora provides AI-generated financial analysis for informational purposes and does not constitute regulated investment, tax or legal advice.