Managing your business cash flow shouldn’t feel like guesswork. That’s why we’ve created a simple, plug-and-play Cash Flow Calculator to help you stay on top of your income, expenses, and runway—without the spreadsheets headache. Whether you’re planning for the next quarter or avoiding a cash crunch, this tool makes it easy to see the full picture.
Why You Need a Cash Flow Calculator
Running a business without tracking cash flow is like sailing without a compass. You may keep moving, but not necessarily in the right direction.
A cash flow calculator helps you:
- Recognize and prepare for cash deficits in advance
- Predict future expenses and ensure you always have enough to cover them
- Budget more effectively and make smarter financial decisions
- Fuel business growth through data-backed planning
Whether you’re a startup founder, finance professional, or small business owner, this calculator gives you visibility into how money moves in and out of your business.
What’s Inside the Cash Flow Calculator Template?
Our cash flow calculator template is designed for simplicity and actionability. It includes:
Cash Inflow Table
Track all the ways money enters your business:
- Customer Account Collections
- Sale of Property and Investments
- New Borrowings
- Interest Income
- Any other inflows
Cash Outflow Table
Log expenses to get a clear view of where your money goes:
- Inventory & Vendor Payments
- Rent & Lease
- Payroll, Taxes, Insurance
- Capital Expenditures
- Dividends, Investments, Loans, and Miscellaneous
Each row includes a short description so you know exactly what to enter, even if you’re not a finance expert.
How to Use the Template?
Using this calculator is straightforward:
- Download the template in Excel or Google Sheets format.
- Fill in the cash inflows and outflows for your desired time period (weekly, monthly, quarterly).
- Review the summary box to see if you’re cash positive or running into trouble.
- Adjust your financial decisions based on what the data reveals.
Pro Tip: Project your cash flow not just for the current month, but for upcoming quarters. It’s a smart way to stay ahead of unexpected expenses.
Level Up Your Cash Flow Monitoring with Peakflo
A spreadsheet is a great starting point. But as your business scales, so does the complexity of managing cash flow manually.
That’s where Peakflo comes in. Our AI-powered reports empowers finance teams to:
- Track real-time cash inflows and outflows
- Forecast cash runway with 90%+ accuracy
- Get alerted on upcoming cash gaps
- Automate invoice collection and vendor payments
- Make faster, data-backed budgeting decisions
Businesses using Peakflo reduce manual cash flow tracking time by 40% and cut unnecessary expenses significantly.
