Project your business cash flow over time. See when cash runs low, plan for seasonal dips, and ensure you can cover expenses and loan repayments.
Updated October 2026Built and checked by MaverickHow it's calculatedReport an error
Monthly surplus
$12,000
$144,000 annual
Lowest cash point
$25,000
reached in now
Months of runway
0.7
current cash ÷ monthly expenses
Reserve gap
$89,000
vs 2.5-month target
Against your target of 3 months of expenses held in cash.
Balance trajectory across the forecast. Watch for seasonal dips and ensure the trough still covers operating expenses.
Negative months are normal in seasonal businesses: what matters is that surplus months are large enough to cover the deficits.
Cash flow is the #1 reason small businesses fail, not lack of profit, but running out of cash at the wrong time. You can be profitable on paper but unable to pay wages if your clients take 60 days to pay. This tool projects your cash position over 6-12 months, factoring in seasonal variation, payment delays, and upcoming expenses. It highlights when cash runs low so you can arrange finance, chase invoices, or delay purchases before it becomes a crisis.
As of 7 November 2026, the lowest business loan rate is 6.33%, from SCCU's BUSINESS LOAN, while the typical best across 47 institutions is 7.89%. The lowest business overdraft rate is 8.24%, from IMB Bank's Commercial Credit line, while the typical best across 12 institutions is 10.06%.
A consulting firm earns $80,000/month revenue with $55,000/month expenses and $30,000 cash. Clients pay on 45-day terms.
Monthly surplus: $25,000. But with 45-day payment terms, there's always ~$120,000 in outstanding invoices. If two major clients pay late simultaneously, the $30,000 buffer only covers 2 weeks of expenses. Two months of expenses, about $110,000, would cover it; invoice finance is another way to bridge the gap.
A surf shop peaks Nov-Feb ($60,000/month) but drops to $15,000/month in winter. Expenses are steady at $30,000/month.
Summer surplus: $30,000/month × 4 = $120,000. Winter deficit: $15,000/month × 4 = -$60,000. The business needs to bank $60,000+ during summer to survive winter. Without planning, it runs out of cash by July.