Project a small business’s cash for 12 months and see the month it runs lowest
Estimates only, not financial advice. What you type stays on your device. Updated on 24 Oct 2026.A cash flow projection adds each month's money in, takes away money out, and carries the balance forward. Starting with 50,000, a business earning 6,000 a month that buys 30,000 of equipment in February and pays 9,000 of quarterly tax in March falls to 17,000 in March before recovering.
₹44,000
Down ₹6,000 on the ₹50,000 you start withWhen the business covers its costs: Break-Even Calculator. Margin on what you sell: Profit Margin Calculator.
| Month | Opening | In | Out | Net | Closing |
|---|---|---|---|---|---|
| Jan 2027 | ₹50,000 | ₹45,000 | ₹51,000 | -₹6,000 | ₹44,000 |
| Feb 2027 | ₹44,000 | ₹45,000 | ₹69,000 | -₹24,000 | ₹20,000 |
| Mar 2027 | ₹20,000 | ₹45,000 | ₹48,000 | -₹3,000 | ₹17,000 (below buffer) |
| Apr 2027 | ₹17,000 | ₹45,000 | ₹39,000 | ₹6,000 | ₹23,000 |
| May 2027 | ₹23,000 | ₹45,000 | ₹39,000 | ₹6,000 | ₹29,000 |
| Jun 2027 | ₹29,000 | ₹45,000 | ₹48,000 | -₹3,000 | ₹26,000 |
| Jul 2027 | ₹26,000 | ₹45,000 | ₹39,000 | ₹6,000 | ₹32,000 |
| Aug 2027 | ₹32,000 | ₹45,000 | ₹39,000 | ₹6,000 | ₹38,000 |
| Sep 2027 | ₹38,000 | ₹45,000 | ₹48,000 | -₹3,000 | ₹35,000 |
| Oct 2027 | ₹35,000 | ₹45,000 | ₹39,000 | ₹6,000 | ₹41,000 |
| Nov 2027 | ₹41,000 | ₹45,000 | ₹39,000 | ₹6,000 | ₹47,000 |
| Dec 2027 | ₹47,000 | ₹45,000 | ₹48,000 | -₹3,000 | ₹44,000 |
Choose the first month and enter the cash you start with.
Add money in, such as sales receipts, with how often it arrives and from which month.
Add money out: wages, rent and supplies every month, tax every three months, one-off purchases in their month.
Set the cash buffer you never want to go below.
Read the closing balance for each month, the lowest month and any warning.
The Cash Flow Calculator projects a small business's cash for the next twelve months. You enter the cash in the bank today and what comes in and goes out, and it shows each month's opening balance, money in, money out and closing balance, the lowest month of the year, and any month that falls below the buffer you set. It works in rupees or dollars and runs in your browser; nothing is uploaded.
Recurring and one-off items. Each item is money in or money out, with how often it happens: every month (wages, rent), every three months (advance tax, GST or sales-tax returns, quarterly estimated tax), once a year (insurance, licences) or a single time (a machine, a loan received). Recurring items can start and stop in any month, which covers a seasonal hire or a loan that ends mid-year.
Why the lowest month matters. A business can be profitable over the year and still be unable to pay wages in one month, because the large bills and the receipts arrive at different times. In the example, the shop gains 6,000 a month, yet buying equipment in February and paying quarterly tax in March takes the balance down to 17,000, under its 20,000 buffer, before it climbs to 44,000 by December. The warning names that month so you can arrange credit, move a purchase or chase a payment in time.
Cash, not profit. Enter money in the month it actually reaches or leaves the bank. A sale invoiced in January and paid in March belongs in March. Depreciation, which costs no cash, does not belong here at all.
What it does not do. No interest on balances or overdrafts, no growth rates, no automatic tax calculation and no more than twelve months. Use it as a planning sheet, and update it each month with the real figures.
Add up the money that actually came into the bank in the month, subtract the money that went out, and add the result to the balance at the start of the month. The new balance is the next month's opening balance. Repeating this for twelve months gives a cash flow projection.
Profit counts sales when they are made and costs when they are incurred, including non-cash costs such as depreciation. Cash flow counts money only when it moves. A business selling on 60-day credit can show a profit while its bank balance falls, which is why a cash projection is kept alongside the accounts.
A common rule of thumb is enough to cover one to three months of fixed costs such as wages and rent. With 39,000 of monthly fixed costs, that is 39,000 to 117,000. Set the buffer box to your own figure and the calculator flags every month that closes below it.
Add the tax as money out, choose Every 3 months, and set the first month to the month the first payment is due. The calculator then repeats it every third month. For tax due on irregular dates, add each payment as a separate one-off item in its own month.
Look at the month it first goes below zero and the lowest balance. The gap is the extra cash needed by then. Options include arranging an overdraft or credit line in advance, delaying a purchase, asking customers for deposits or faster payment, or negotiating later payment terms with suppliers.
Yes. Switch the currency to dollars and every amount is shown with the dollar sign and US digit grouping instead of rupees and Indian grouping. Only the display changes; no exchange rate is applied, so enter your figures in the currency you choose.
Formula only: no rates or limits are read from an official source.
Still stuck? Ask about Cash Flow Calculator and anybody who knows can answer. No account needed.
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