AccountingToolsLab

Cash Flow Calculator

Calculate net cash flow and ending cash balance from beginning cash, cash inflows, and cash outflows.

Ending Cash Balance

RM 0.00

Net Cash Flow

RM 0.00

Status

Neutral cash flow

Ending Cash Balance = Beginning Cash Balance + Net Cash Flow

How do you calculate net cash flow?

Net cash flow is cash inflows minus cash outflows over a period. Add net cash flow to the opening cash balance and you get the closing balance. Cash flow counts money actually received and actually paid, so an invoice you have issued but not yet been paid for does not appear until the cash arrives.

This is why a profitable business can still run short of cash. Profit is measured on income and expenses as they are earned and incurred, while cash flow is measured on movement in and out of the bank, and the two rarely land in the same period.

Calculate cash flow in a few steps

  1. Enter the beginning cash balance available at the start of the period.
  2. Add cash inflows such as customer collections, cash sales, or other money received.
  3. Enter cash outflows such as supplier payments, expenses, wages, or loan repayments.
  4. Review the result to see net cash flow and the ending cash balance for the period.

Why use this cash flow calculator?

  • Quickly see your net cash flow for the period.
  • Simple and easy to use for any business size.
  • Helps monitor cash inflows and outflows.
  • Useful for budgeting, planning, and decision making.
  • Supports better cash management and stability.

When to use this cash flow calculator

  • Use it for monthly cash review when you need a quick summary.
  • Use it for small business planning before making hiring, purchasing, or payment decisions.
  • Check invoice collections against outgoing payments to see whether cash is staying healthy.
  • Track expenses against incoming cash to spot periods where outflows may be growing too quickly.
  • Use it as a simple budgeting check when comparing expected inflows and outflows.

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Cash Flow Calculator FAQs

What is cash flow?

Cash flow is the movement of cash into and out of a business during a period. It focuses on actual cash received and cash paid, not just accounting profit.

How do you calculate net cash flow?

Subtract cash outflows from cash inflows. The result is net cash flow for the period.

What is ending cash balance?

Ending cash balance is the cash left after adding net cash flow to the beginning cash balance.

Is cash flow the same as profit?

No. Profit is based on income and expenses, while cash flow focuses on cash received and cash paid.

Why can cash flow be negative?

Cash flow can be negative when cash outflows are higher than cash inflows during the period. This can happen even if a business is making sales but has not collected the cash yet.

When should I use this cash flow calculator?

Use it when reviewing monthly cash movement, comparing expected inflows and outflows, or checking whether available cash is enough for upcoming payments.