Cash Flow Forecast Calculator

Forecast your cash position. Avoid running out of money. Plan ahead.

⚠️ Important: Cash flow forecasting helps predict future cash position but cannot account for all variables. Update regularly with actual figures. This is a planning tool, not financial advice. Consult an accountant for tax and financial planning. Keep 3-6 months operating expenses as buffer.

Starting Position

Current Bank Balance ($)

3-Month Forecast

Month 1

Expected Income ($)

Materials ($)

Labour/Wages ($)

Vehicle/Fuel ($)

Insurance ($)

Other Expenses ($)

Month 2

Expected Income ($)

Materials ($)

Labour/Wages ($)

Vehicle/Fuel ($)

Insurance ($)

Other Expenses ($)

Month 3

Expected Income ($)

Materials ($)

Labour/Wages ($)

Vehicle/Fuel ($)

Insurance ($)

Other Expenses ($)

💡 Cash Flow Tips

Buffer: Keep 3-6 months operating expenses in bank as safety net
Payment Terms: Get deposits upfront, progress payments, final on completion
Chase Invoices: Send invoices immediately, follow up at 7, 14, 21 days
Timing: Big expenses (insurance, equipment) spread over year if possible
Profit ≠ Cash: Can be profitable but still run out of cash (timing mismatch)
Update Weekly: Review actual vs forecast, adjust next month's plan