See where money leaves your business every month. Model reserves, obligations, and future pressure quickly. Make steadier plans with better cash timing insight today.
The form uses a single stacked page layout, while the fields switch between three, two, and one columns by screen size.
| Input | Example value |
|---|---|
| Opening cash balance | $75,000.00 |
| Period length | 6 months |
| Cash collections | $120,000.00 |
| Financing inflows | $15,000.00 |
| Asset sale inflows | $5,000.00 |
| Inventory and supplier payments | $28,000.00 |
| Payroll payments | $36,000.00 |
| Rent and utilities | $9,600.00 |
| Marketing spend | $7,200.00 |
| Admin and misc payments | $4,800.00 |
| Interest and tax payments | $6,800.00 |
| Inventory build cash use | $5,000.00 |
| Capital expenditures | $12,000.00 |
| Debt repayments | $9,000.00 |
| Owner draws or dividends | $6,000.00 |
| Other outflows | $2,500.00 |
| Units sold | 1,400 |
| Minimum reserve | $20,000.00 |
Operating Outflow = Supplier Payments + Payroll + Rent and Utilities + Marketing + Admin and Misc + Interest and Taxes + Inventory Build
Investing Outflow = Capital Expenditures
Financing Outflow = Debt Repayments + Owner Draws or Dividends
Total Outflow = Operating Outflow + Investing Outflow + Financing Outflow + Other Outflows
Total Inflow = Cash Collections + Financing Inflows + Asset Sale Inflows
Net Cash Flow = Total Inflow − Total Outflow. Ending Cash = Opening Cash + Net Cash Flow
Monthly Outflow = Total Outflow ÷ Period Months. Monthly Burn Rate = absolute value of Monthly Net Flow when Monthly Net Flow is negative.
Reserve Buffer = Ending Cash − Minimum Reserve. Runway Months = (Ending Cash − Minimum Reserve) ÷ Monthly Burn Rate, only when burn rate is above zero.
Add the cash you actually have at the beginning of the planning period.
Choose the number of months you want to analyze. This affects monthly averages and runway.
Enter customer collections, funding received, and any money from asset sales.
Separate operating, investing, financing, and other payments so the tool can show where money leaves the business.
A reserve target helps stress-test liquidity. Units sold lets you estimate cash outflow per unit.
The page will show totals, ratios, reserve impact, runway, and a graph above the form.
Use the CSV and PDF buttons to save the current result set for reporting or planning reviews.
It estimates how much cash leaves your business during a chosen period, compares that outflow with inflows, and shows the effect on ending cash and reserve levels.
Operating outflow includes supplier payments, payroll, rent, utilities, marketing, admin costs, taxes, interest, and extra inventory cash use entered in the form.
Runway is only meaningful when the business is burning cash. If monthly net cash flow is positive or zero, the tool displays that runway is not needed.
Ending cash is the expected balance after all modeled inflows and outflows. Reserve buffer shows how far that ending cash sits above or below your target reserve.
Yes. You can treat salary or receipts as inflows, and map expenses, debt payments, and other cash uses into the matching categories.
It divides total cash outflow by units sold. This gives a simple indicator of how much cash leaves the business for each unit moved.
No. This tool is for cash movement only. Depreciation, amortization, and other non-cash charges should stay out unless they trigger real cash payments.
Separating them shows whether cash pressure comes from operations, asset purchases, or capital structure decisions. That helps you decide where adjustments matter most.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.