See whether you're cash-positive. Enter the cash coming in and the cash going out for a period, and get your net cash flow and cash-flow margin.
Net cash flow is cash in minus cash out for a period. It's not the same as profit — timing of payments and non-cash items make them differ.
Subtract the cash that went out from the cash that came in over a period. If $20,000 came in and $15,000 went out, your net cash flow is +$5,000 — cash-positive.
Net cash flow = cash in − cash out
Positive cash flow means you're building a cushion; negative means you're drawing it down.
The cash that came in minus the cash that went out over a period. Positive is cash-positive; negative means you spent more cash than you took in.
No. Profit includes non-cash items and bills you've booked but not yet paid or collected. A profitable business can still run short on cash if customers pay slowly.
Related: revenue growth calculator · break-even calculator · profit margin calculator.
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Yes. The Cash Flow Calculator is completely free, runs in your browser, and never asks for a signup, email, or download. Enter your numbers and the result updates instantly.
It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
Yes. The calculator is mobile-friendly and works on any phone, tablet, or computer — there is no app to install and nothing to save.
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Last reviewed: September 2026. Free to use, no signup — Cash Flow Calculator by ToolWise Digital.
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