Build a 12-month cash flow projection. Add recurring income and expense streams, one-off events, and instantly see monthly surplus, cumulative balance, and runway.
| Month | Income | Expenses | Net | Balance |
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The Cash Flow Projector turns your opening balance, recurring income and expense streams, and one-off events into a clear 12-month forecast of monthly surplus, cumulative balance, and remaining runway.
Cash flow is the heartbeat of any business, and a profit-and-loss statement alone will not tell you whether you can make payroll next quarter. This tool models the actual timing of money in and out: you set a starting cash balance, add income and expense streams that run across any range of months, and drop in irregular events like a tax bill, a funding round, or a big equipment purchase. It then rolls everything forward month by month, highlighting your lowest cash point, your net profit or loss for the year, and how many months of runway you have before the balance would dip below zero. A live chart and table update as you type, so you can test scenarios instantly. People use it to:
Everything is calculated locally in your browser as you edit โ no figures are ever uploaded, saved to a server, or shared, so even sensitive revenue and salary numbers stay entirely on your own device. Keep in mind the projection is only as accurate as your inputs: it assumes the streams and events you enter play out exactly as scheduled, so revisit it whenever your real numbers change.
The number of months your business can keep running before cash hits zero, assuming income and expenses continue as projected.
Enter a positive amount for an inflow (e.g. funding) or a negative amount for an outflow (e.g. tax) in the chosen month. The event is added to that month's net.
No. Everything runs in your browser memory only โ nothing is uploaded. Use Export CSV if you want to keep a snapshot.
Runway is the number of full months before your projected balance would first drop below zero. The tool adds each month's net cash flow to your opening balance in turn, and reports the last month the balance stays positive. If the balance never goes negative across the 12 months, it shows cash positive all year instead.
Profit is income minus expenses over a period, while cash flow is about the timing of money actually moving in and out. You can be profitable on paper yet still run out of cash if a big bill lands before your invoices are paid. This projector focuses on cash timing, which is why it tracks your running balance and lowest cash point month by month.
Set your opening cash to the funding or savings you have on hand, leave income streams empty or small, and add your real monthly expenses such as salaries, rent, and software. The runway figure then tells you how many months you can operate at that burn rate, which is exactly the number investors and founders watch most closely.
Yes. Each income and expense stream has a start and end month, so you can switch costs or revenue on and off across the year. For a holiday sales spike or a hire that begins in month six, set the stream to run only over those months, and use one-off events for anything that happens just once.