Cash Flow Forecast.
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.
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
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.
Real-world scenarios
Consulting Business
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. Recommendation: build cash reserve to $110,000 (2 months) and consider invoice financing.
Seasonal Retail Business
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.