Free Cash Flow Forecast
Project cash inflows and outflows month by month. See if your business will have positive cash balance, identify potential shortages early, and plan accordingly. Essential for business survival and growth planning.
Related Free Finance Tools
Predict and Plan Your Cash Position
A healthy balance sheet doesn't guarantee cash flow. Forecast cash to ensure survival and growth.
Inflows & Outflows
Add projected cash inflows (invoices, loans, sales) and outflows (salaries, rent, expenses) by month. Track expected timing of cash movement.
Monthly Cash Position
See opening balance, inflows, outflows, and closing balance for each month. Understand month-to-month cash requirements.
Shortage Alerts
Automatically flag months where projected cash balance goes negative. Plan ahead to avoid cash crises.
Rolling Forecast
Add cash flow items for any month in the future. Update items as actual results differ from projections.
Professional Reports
Export cash flow forecasts as PDF for board presentations, bank applications, or investor meetings.
100% Private
All cash projections stay in your browser. Your financial forecasts remain completely private and confidential.
The Critical Difference Between Profit and Cash
The #1 reason businesses fail is not lack of profit — it's lack of cash. A profitable business can run out of cash and collapse. An unprofitable business can survive if it has sufficient cash. This disconnect between profit and cash is one of the most misunderstood financial concepts.
Profit vs Cash: An Example
A consulting firm invoices a large client $100,000 for completed work. On the income statement, this is $100,000 in revenue and profit. But if the client doesn't pay for 90 days, the firm has zero cash from this transaction for 90 days. During those 90 days, the firm still needs to pay salaries, rent, and expenses. If the firm doesn't have cash reserves, it might need to borrow money even though it's profitable.
Seasonal Businesses and Cash Flow
Seasonal businesses face severe cash flow challenges. A retail business might generate 50% of annual revenue in November and December but face operating costs year-round. Without forecasting cash flow, the business might run out of cash in February even though it's profitable annually. Cash flow forecasting reveals these gaps in advance.
Growth and Cash Flow
Growth paradoxically worsens cash flow problems. When a company grows rapidly, it often needs to purchase inventory or pay contractors before customers pay. A growing company might be profitable but cash-constrained. Understanding future cash needs helps businesses secure appropriate financing (lines of credit, loans) before crisis hits.