About the Cash Flow Calculator
What is the Cash Flow Calculator?
Profit is not cash. A business can be profitable on paper and still run out of money. This cash flow calculator separates cash movements into the three standard groups: operating, investing and financing.
It shows net cash flow, free cash flow (operating cash minus capital spending) and your closing cash balance.
How to use the Cash Flow Calculator
- Opening Cash Balance (₹) (sample: 5,00,000)
- Cash Received from Customers (₹) (sample: 42,00,000)
- Cash Paid to Suppliers, Staff & Expenses (₹) (sample: 36,00,000)
- Taxes Paid (₹) (sample: 1,20,000)
- Purchase of Equipment / Assets (₹) (sample: 3,00,000)
- Sale of Assets (₹) (sample: 0)
- New Loans or Capital Raised (₹) (sample: 2,00,000)
- Loan Repayments, Interest & Drawings (₹) (sample: 2,50,000)
- Press Calculate Cash Flow (results also refresh as you type). The result card shows the Net Cash Flow, along with Cash from operations, Cash from investing, Cash from financing and Free cash flow (operations − capex).
Formula used
Net cash flow = Operating + Investing + Financing cash flows
- Operating = cash from customers − cash paid to suppliers, staff and for expenses − taxes
- Investing = sale of assets − purchase of assets
- Financing = new loans or capital − repayments, interest and drawings
Free cash flow = operating cash flow − capital expenditure.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Opening Cash Balance (₹) | 5,00,000 |
| Cash Received from Customers (₹) | 42,00,000 |
| Cash Paid to Suppliers, Staff & Expenses (₹) | 36,00,000 |
| Taxes Paid (₹) | 1,20,000 |
| Purchase of Equipment / Assets (₹) | 3,00,000 |
| Sale of Assets (₹) | 0 |
| New Loans or Capital Raised (₹) | 2,00,000 |
| Loan Repayments, Interest & Drawings (₹) | 2,50,000 |
| Result | Value |
|---|---|
| Net Cash Flow | ₹1,30,000 |
| Cash from operations | ₹4,80,000 |
| Cash from investing | ₹-3,00,000 |
| Cash from financing | ₹-50,000 |
| Free cash flow (operations − capex) | ₹1,80,000 |
| Closing cash balance | ₹6,30,000 |
Tips for using the Cash Flow Calculator
- Prepare a 13-week cash forecast to spot shortfalls early.
- Consistently negative operating cash flow is a warning sign even if profits look fine.