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Free tool

Cash flow calculator

See your monthly cash flow, how long your cash lasts if more goes out than comes in, your balance month by month for a year, and how much cash getting paid sooner would free up. Free, no sign-up, nothing leaves your browser.

Your numbers, worked out
  1. Type in your own numbers
  2. The tool works it out
  3. See the answer clearly

This assumes every month looks the same. The starting numbers are only an example; use your own from your bank statements or accounts.

Cash flow each month
-£2,000
More is going out than coming in
Your cash lasts
7.5 months
At this rate, before it runs out
Month 1
£13,000
Month 2
£11,000
Month 3
£9,000
Month 4
£7,000
Month 5
£5,000
Month 6
£3,000
Month 7
£1,000
Month 8
-£1,000
Month 9
-£3,000
Month 10
-£5,000
Month 11
-£7,000
Month 12
-£9,000
Owed to you on an average day
£20,000
Freed up if paid 7 days sooner
£4,667
Team collaborating around a laptop in an office

Cash flow is about timing

Cash flow is the money moving in and out of a business over a period. A business can be profitable and still run short if customers pay weeks after the invoice while wages, rent and suppliers are due now. Looking month by month shows when a gap is coming.

Woman using a laptop at a table

Getting paid sooner

Money customers owe you is cash you have earned but can't use yet. The longer they take to pay, the more cash is tied up. Invoicing as soon as the work is done, sending a payment link with every invoice and offering ways to pay instantly all shorten the wait.

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