Free Tool · No Signup
Cash Flow Forecaster
Project the next 12 months of money in and out, see the month you'd run dry, your lowest balance, and which lever buys you the most runway. The number that actually keeps the doors open — profit is an opinion, cash is a fact.
Catalog No. 104 · Cash Runway Forecaster
Starting point
Revenue
Growth compounds month over month. Use a negative number to model a downturn or a slow season.
Costs
Variable scales with sales (materials, product cost, fees, sub-labor). Fixed stays put (rent, salaried payroll, software, insurance, loan payments, owner's draw).
One-time expense (optional)
A tax bill, equipment purchase, deposit, or any large lump that hits one month — so it doesn't ambush your balance.
Runway
—
months of cash
—
Lowest balance
—
Hits low in
—
Ending cash (mo 12)
—
Avg monthly net
—
What buys you runway
Grow 2 points fasterSales / marketing push
—
Cut fixed costs 10%Trim overhead
—
Trim variable cost 5 ptsBetter suppliers / pricing
—
Delay the one-time expensePush it 3 months out
—
12-month projection
| Month | Revenue | Costs | Net | Ending balance |
|---|
How it works
Projects 12 months of cash in and out so you can see when, or whether, your balance goes negative, plus your lowest balance and ending cash.
- Revenue in month 1 = Revenue this month. Each later month = the month before × (1 + Growth % ÷ 100), so growth compounds. A negative growth number models a decline.
- Costs = Revenue × Variable cost % + Fixed costs / month, plus any one-time expense. Net = revenue − costs. Ending balance = last balance + net, starting from Cash on hand today.
- Runway = full months before the balance first drops below zero, with that month named. If month 1 is already negative it shows Now. If it never goes negative in 12 months, it shows 12+.
- The What-if rows rerun the 12 months with one change: growth +2 points, fixed costs −10%, variable cost −5 points, or the one-time expense 3 months later (capped at month 12).
- This is a planning estimate based on the numbers you type. It is not financial advice.
Questions
- Which costs are variable and which are fixed?
- Variable costs move with sales, like materials, product cost, fees and subcontract labor, and you enter them as a percent of revenue. Fixed costs stay put: rent, salaried payroll, software, insurance, loan payments and owner's draw.
- Why add a one-time expense?
- A big bill such as a tax payment, equipment purchase or deposit hits one month. It can push your balance below zero even when a normal month is positive. Choose the amount and month, or pick none to leave it out.
- Does the lowest balance include today's cash?
- Yes. The lowest balance starts from your Cash on hand today and then checks each of the 12 month-end balances. If no month ends lower than today's cash, the lowest balance is today's cash and it shows today.
More free tools
Same deal: free, no signup, and it runs in your browser.