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The Business Loan Store

Interactive calculator

Cash flow forecast builder

Map opening cash, receipts and payments for three periods to see possible shortfalls before they arrive.

Last reviewed 1 October 2026

Enter your numbers

Available cash at the start of period one.

Money expected to be received, not just invoiced.

Bills expected to be paid, including tax and loan repayments.

Use the date the cash is likely to clear.

Include known supplier and payroll payments.

Expected receipts in the third period.

Expected payments in the third period.

Your entries are calculated on this device. They are not uploaded or saved.

Illustrative result

Period 1 closing cash
$13,000
Period 2 closing cash
$15,000
Period 3 closing cash
$20,000

The entered periods stay above zero. Test slower receipts and unexpected bills before relying on the forecast.

How to use this tool

Each closing balance equals opening balance plus cash received less cash paid; it becomes the next period’s opening balance.

A simple example

Opening with $10,000, then receiving $18,000 and paying $15,000 leaves $13,000 after period one.

Assumptions and limits

Forecasts are estimates. Update dates and amounts as new information arrives. This tool stores nothing.

General information only. Check your own records and speak with a qualified professional where the decision depends on accounting, tax, legal or financial advice.

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