Is this operating cash flow or free cash flow?

It is a high-level monthly cash surplus or shortfall from the categories you enter—not a full GAAP statement. Use it for planning, not statutory reporting.

What belongs in other inflows or outflows?

Examples include owner contributions, loan draws, equipment purchases, or estimated tax payments—anything outside routine revenue and operating spend.

Why separate operating and other lines?

Separating them helps you see whether the core business generates enough cash before one-off items distort the picture.

Cash Flow Calculator

Model a single month: operating money in and out, plus optional other receipts and payments, to see net cash flow.

Monthly flows

Enter typical monthly cash in and out. Other lines cover one-offs like equipment or tax payments.

Operating income ($ / month)

Operating expenses ($ / month)

Other cash in ($ / month)

Other cash out ($ / month)

Net monthly cash flow

+$3950.00

In $12400.00 · Out $8450.00

Summary

Total inflows: $12400.00
Total outflows: $8450.00

Cash flow vs. profit

Profitable businesses can still run out of cash when timing misaligns—clients pay late, inventory builds, or taxes come due before revenue lands. A simple monthly view of inflows minus outflows highlights whether you can cover payroll and vendors on schedule. It is not a substitute for a full forecast, but it is a fast gut check.

Dig deeper with how to manage cash flow and what is free cash flow. Pair this tool with the break-even calculator to connect unit economics with liquidity.

Frequently Asked Questions

See money in and money out

Billed connects invoicing and expenses so you can monitor whether cash coming in keeps pace with what goes out.

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