Cash Flow Forecast Tool
Enter your revenue, expenses, and loan payments to see a 12-month cash flow projection. Includes revenue growth modeling, seasonal adjustments, optional new loan impact, funding gap alerts, and a visual chart showing your cash position each month.
Project your business cash flow over the next 12 months. Enter your revenue, expenses, and loan payments to see if your cash position stays healthy, and test the impact of taking on new financing.
Results are projections based on your inputs. Actual cash flow depends on timing, collection speed, and unexpected costs.
Cash on hand today (bank accounts, liquid reserves).
Revenue
Average monthly revenue (current run rate).
Expected month-over-month revenue change. Use 0% if unsure.
Monthly Expenses
Direct costs: materials, labor, manufacturing.
Rent, utilities, payroll, insurance, marketing, etc.
Loan Payments
Total of all current loan/debt payments per month.
Toggle on to see how a new loan payment would affect your cash flow.
Seasonal Revenue Adjustments
Toggle on to adjust revenue by month for seasonal businesses.
12-Month Forecast Summary
Ending Cash
$306,968
after 12 months
Avg Monthly Cash Flow
$21,414
surplus per month
Lowest Balance
$50,000
month 1
Net 12-Month Change
+$256,968
from starting balance
Monthly Cash Flow
Running Cash Balance
Monthly Breakdown
| Month | Revenue | Expenses | Loan Pmts | Net Flow | Balance |
|---|---|---|---|---|---|
| Start | - | - | - | - | $50,000 |
| Mo 1 | $80,000 | $65,000 | $3,000 | $12,000 | $62,000 |
| Mo 2 | $81,600 | $65,000 | $3,000 | $13,600 | $75,600 |
| Mo 3 | $83,232 | $65,000 | $3,000 | $15,232 | $90,832 |
| Mo 4 | $84,897 | $65,000 | $3,000 | $16,897 | $107,729 |
| Mo 5 | $86,595 | $65,000 | $3,000 | $18,595 | $126,324 |
| Mo 6 | $88,326 | $65,000 | $3,000 | $20,326 | $146,650 |
| Mo 7 | $90,093 | $65,000 | $3,000 | $22,093 | $168,743 |
| Mo 8 | $91,895 | $65,000 | $3,000 | $23,895 | $192,638 |
| Mo 9 | $93,733 | $65,000 | $3,000 | $25,733 | $218,371 |
| Mo 10 | $95,607 | $65,000 | $3,000 | $27,607 | $245,978 |
| Mo 11 | $97,520 | $65,000 | $3,000 | $29,520 | $275,498 |
| Mo 12 | $99,470 | $65,000 | $3,000 | $31,470 | $306,968 |
| Total | $1,072,968 | $780,000 | $36,000 | $256,968 | $306,968 |
Your cash flow looks healthy. You may have room for growth financing.
No impact to your credit score.
Why Cash Flow Forecasting Matters
Cash flow is the number one reason small businesses fail. Not profit, not revenue: cash. A profitable business can still run out of cash if expenses are front-loaded and revenue lags behind. A 12-month cash flow forecast gives you a forward-looking view of your cash position so you can spot gaps before they become emergencies. Lenders also ask for cash flow projections when evaluating loan applications because they want to see that you can cover the payments from operating cash flow, not just from borrowing more.
Building a Realistic Forecast
The biggest mistake business owners make with cash flow projections is being too optimistic about revenue and too conservative about expenses. Start with your actual numbers from the past 3 to 6 months. If your monthly revenue has been $80,000, use that as your baseline, not the $120,000 you hope to hit next quarter. For growth rate, look at your recent trend. If you have been growing 2% per month, use that. If growth has been flat, use 0%. You can always run the forecast twice with different assumptions to see best and worst case scenarios. Use our DSCR calculator to check whether lenders will view your debt-to-income ratio favorably.
Seasonal Patterns and Cash Gaps
Seasonal businesses face a particular challenge: revenue drops in slow months while many fixed costs stay the same. A landscaping company might do 60% of its annual revenue between April and September. A retailer might depend on Q4 for 40% of sales. This tool lets you adjust individual months to reflect your real seasonal pattern. If January is typically 70% of your average month and July is 130%, set those adjustments and see how your cash balance responds. Many seasonal businesses use a business line of credit to bridge slow periods, drawing funds when cash is tight and repaying when revenue picks up. Our working capital calculator can help you figure out how much cushion you need.
Using Your Forecast to Plan Financing
Once you see your 12-month projection, use it to make better financing decisions. If the forecast shows you can comfortably handle a new loan payment every month, that is a strong sign the debt makes sense. If adding a loan payment pushes two or three months into negative territory, you might need a longer term to reduce the payment, a smaller loan amount, or a line of credit instead of a term loan. Use our loan payment calculator to model different amounts and terms, then plug the payment back into this forecast to see the full impact. Talk to a funding specialist to find the right financing structure for your cash flow pattern, with no impact to your credit score.
How It Works
Enter Your Baseline Numbers
Input your starting cash balance, monthly revenue, cost of goods sold, operating expenses, and any existing loan payments.
Adjust Growth and Seasonality
Set a monthly revenue growth rate and, if your business has busy or slow seasons, adjust individual months up or down from your baseline.
See Your 12-Month Projection
View monthly cash flow bars, your running cash balance, funding gap alerts, and the impact of adding a new loan payment to your forecast.
What You Get
12-Month Cash Projection
Month-by-month view of revenue, expenses, net cash flow, and running balance for the next year.
Revenue Growth Modeling
Apply a monthly growth rate from -5% to 10% so your forecast reflects where your business is heading, not just where it is now.
Seasonal Adjustments
Adjust individual months from 0% to 200% of baseline revenue to account for busy seasons, slow periods, and holiday spikes.
New Loan Impact Analysis
Toggle on a proposed loan payment to see how it changes your cash position before you commit to borrowing.
Funding Gap Alerts
Automatic warnings when your running balance drops below zero, so you know exactly which months need a cash bridge.
Visual Cash Flow Charts
Bar charts showing monthly surplus or deficit and your running cash balance, with negative months highlighted in red.
Cash Flow Forecast Tool: Frequently Asked Questions
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