Cash Flow Forecast Calculator

The calculator projects your balance forward one month at a time: each month adds your expected income and subtracts your expected expenses from the previous month's ending balance. The table shows every month so you can see the trend, not just the final number.

If any month's balance goes negative, that's the first month you'd run out of cash at this rate — the earlier you see that, the more options you have (cut costs, chase invoices, arrange finance) before it becomes an emergency.

A business starts with €5,000 in the bank, expects €8,000 of income and €9,500 of expenses every month, and forecasts 6 months ahead. Net monthly cash flow is €8,000 − €9,500 = −€1,500. After month 1 the balance is €3,500; it keeps falling by €1,500 each month and turns negative in month 4 (€5,000 − 4 × €1,500 = −€1,000) — three months of warning to act before the account actually runs dry.

Ending balance (month N) = Starting balance + (Monthly income − Monthly expenses) × N

This calculator is deliberately simple: one income figure and one expense figure, applied every month. Real businesses have lumpy invoices, seasonal sales and one-off bills — this tool is best used as an early-warning check, not a substitute for tracking actual receivables, payables and payroll dates week by week.