Tool
The cash flow calculator: your balance, projected forward day by day
A monthly cash flow calculator averages your money into smooth numbers and hides the crash week. A daily cash flow calculator puts every income and bill on its real date and projects the balance forward — so the negative day is visible weeks before it happens.
- Day-by-day projection
Every income and bill on its real date, with a running balance.
- Negative days visible
The first day below zero is flagged before it happens.
- Recurring items
Rent, paydays and subscriptions enter once and project forever.
- Nothing to connect
No bank credentials — you enter what you know is coming.
The three inputs that matter
- Starting balance — the real number in your account today.
- Income on its actual dates, not an average.
- Bills on their due dates, including the one-offs you already know about.
Monthly average vs daily projection
| Monthly average | Daily projection | |
|---|---|---|
| Income | A smoothed number | Actual dates |
| Bills | A total | Actual dates |
| Result | A monthly margin | A dated balance curve |
| Overdrafts | Hidden | Visible in advance |
What to do with the answer
If the projection shows a negative day, you have three levers: move a bill due date, adjust an income expectation, or trim a recurring cost. The calculator shows the effect of each change instantly.
The second output is the low point — the minimum balance of the period. Keeping that above zero is the whole game.
Frequently asked questions
How does a cash flow calculator work?
It places every known income and bill on its actual date, carries a running daily balance forward, and shows the projected balance for every future day.
What is the difference between cash flow and profit?
Profit is revenue minus costs on paper; cash flow is the actual money in your account on each date. You can be profitable and still run out of cash.
How far ahead should I forecast?
At least 13 weeks for freelancers and small businesses — enough to see seasonal gaps and invoice delays before they bite.
Is a cash flow calculator free?
Yes — the core calendar, recurring plans and projections are free forever, with no bank linking required.
See the negative day before it happens
Free daily cash flow projection.