Free Small Business Toolkit
12-Month Cash Flow Projection Calculator
Enter the cash you have today, your monthly income and expenses, and optional growth rates. See your month-by-month balance and whether cash ever runs out.
Your numbers
Free. No sign-up. Your numbers stay in your browser unless you email them to yourself.
We've filled in an example. Change any number and press Calculate.
Let Alfred keep track of this for you
SmallBizSuite builds a live 30/60/90-day cash forecast from your real invoices and expenses, and warns you before a shortfall.
How to read your results
- Lowest balance shows your tightest month. Plan for it before it arrives.
- If "Cash runs out" appears, that is the month to act: raise prices, collect faster, or trim costs.
Exact math on the numbers you enter. A planning aid, not tax, legal or financial advice.
Common questions
+Is this a forecast?
It is a projection from steady assumptions. It does not include seasonality or one-off costs, so treat it as a planning guide, not a promise.
+How often should I update it?
Monthly is a good habit, or any time your income or costs change noticeably.
Stop doing this math by hand
SmallBizSuite keeps your contacts, invoices, expenses, goals and cash flow in one app you own, so the numbers are already there.