Cash Flow Calculator
Enter one month's cash in and out, from running the business and from anything else, to see the operating cash flow and the net cash flow for the month.
Cash in and out for the month
Enter each amount as a positive number, to the cent. An empty field counts as 0.
Cash received from running the business, such as customer payments.
Cash paid to run the business, such as rent, wages and supplies.
Any other cash received, for example a loan or money you put into the business.
Any other cash paid, for example equipment you buy or a loan repayment.
Net cash flow for the month
+$3,950.00
More cash came in than went out.
Breakdown
- Operating cash flow
- +$4,200.00
- Other cash, net
- −$250.00
- Total cash in
- $12,400.00
- Total cash out
- $8,450.00
- Net cash flow
- +$3,950.00
Operating cash flow = operating cash in − operating cash out. Net cash flow = total cash in − total cash out. Amounts are entered to the cent, so the results are exact and need no rounding.
How the cash flow is calculated
- Operating cash flow = operating cash in − operating cash out.
- Other cash, net = other cash in − other cash out.
- Net cash flow = total cash in − total cash out, which is the operating cash flow plus the other cash, net.
Amounts are entered to the cent, so the results are exact and need no rounding. A positive result means more cash came in than went out during the month; a negative one, shown with a minus sign, means the opposite.
What the terms mean
The terms follow the OpenStax Principles of Financial Accounting textbook (opened on October 29, 2026):
- Section 16.1: "The statement of cash flows is a financial statement listing the cash inflows and cash outflows for the business for a period of time."
- Section 16.2: "Cash flows from operating activities arise from the activities a business uses to produce net income." The same section says the statement presents cash "in three distinct categories: cash flows from operating activities, cash flows from investing activities, and cash flows from financing activities."
This calculator is simpler than a statement of cash flows: it keeps operating cash separate and puts everything else, such as a loan received or equipment bought, into "other".
Worked example
These are the values the calculator starts with:
- Operating cash flow: $12,000.00 − $7,800.00 = +$4,200.00.
- Other cash, net: $400.00 − $650.00 = −$250.00.
- Net cash flow: ($12,000.00 + $400.00) − ($7,800.00 + $650.00) = $12,400.00 − $8,450.00 = +$3,950.00.
What you can enter
- Four amounts for the month, each up to $1,000,000,000,000, to the cent.
- Positive numbers only: money going out goes in a "cash out" field. An empty field counts as 0.
For more on cash flow, see how to manage cash flow and what is free cash flow. To see how many sales cover your fixed costs, use the break-even calculator.
Frequently Asked Questions
Compare income and expenses in Billed
Billed's income vs expense report sets income against expenses, and the expense report lists your spending for a date range.
No credit card required.