What is Cash Flow Calculator?

Cash Flow Calculator helps you track money coming in and going out across multiple periods. See your net cash flow and running balance, and spot the months where spending outruns income. Handy for personal budgets and small business planning.

Each entry has a date, description, amount, type (inflow or outflow), category (salary, sales, rent, payroll, taxes, and ten more), and an activity class (operating, investing, or financing) so the breakdown lines up with a standard cash flow statement. Mark an entry as recurring (weekly, monthly, or yearly) to project it forward automatically, and edit or delete any row at any time. Set an opening balance to anchor the running balance to your real bank position, pick a currency symbol from 13 options, and the tool sums entries per month, plots a side-by-side inflow / outflow chart, and flags months where outflows exceed inflows. Entries persist on your device between visits, and you can export the full ledger as CSV.

How to use

1. Add income and expense entries for each period with descriptions and amounts.
2. Review the cash flow summary showing inflows, outflows, and net flow per period.
3. Export your cash flow statement as CSV for use in spreadsheets or accounting software.

When to use

• Tracking a side business's monthly income and expenses without setting up QuickBooks.
• Planning a sabbatical or career break by mapping six months of expected spending.
• Forecasting whether a large equipment purchase will leave the business cash-negative for a month.

Result

A small business owner enters monthly revenue ($12,000) and expenses (rent $3,000, payroll $6,000, supplies $1,200) to identify that March has negative cash flow due to a large equipment purchase.

FAQ

What's the difference between cash flow and profit?

Profit is revenue minus expenses on paper, including invoices not yet paid. Cash flow tracks actual money in and out — when clients pay late or you buy equipment up front, you can be profitable but cash-negative for a month.

Does this calculator handle multiple currencies?

It uses a single numeric column without currency conversion. If you operate in two currencies, either keep separate ledgers or convert everything to one currency at the date of each transaction before entering it here.

How does the running balance work?

Entries are sorted chronologically; the running balance starts at your opening balance and is the cumulative sum of inflows minus outflows up to and including each entry. A balance that dips below zero shows that, on that date, you'd be short on cash if every entry settled instantly.

Where is my data stored — can I clear it?

Entries are saved privately on this device's local storage, not on a server. They persist between visits on the same device but are not synced across devices. The Reset button wipes the entire ledger and removes the stored data.

Can I export the ledger and use it in Excel or accounting software?

Yes. The CSV export contains date, description, category, activity, repeat, and amount columns and opens directly in Excel, Numbers, or Google Sheets. Most accounting apps (QuickBooks, Xero, Wave) also accept CSV imports for journal entries.

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