Calculate your net cash flow from operating, investing, and financing activities. See your free cash flow and understand where cash is coming from and going.
Operating Activities
Non-cash charge (add back)
Negative = increase (use of cash)
Positive = increase (source of cash)
Negative = increase (use of cash)
Investing Activities
Enter as negative (e.g. -50000)
Financing Activities
Enter as negative
Enter as negative
Operating Cash Flow
$203,000.00
Investing Cash Flow
-$50,000.00
Financing Cash Flow
-$35,000.00
Free Cash Flow
$153,000.00
Net Cash Flow
$118,000.00
Annual figures divided by 12 to estimate monthly impact.
Operating
$16,916.67
per month
Investing
-$4,166.67
per month
Financing
-$2,916.67
per month
Net Cash Flow
$9,833.33
per month
Free Cash Flow
$12,750.00
per month
Your business generates positive cash flow. Here is what different reserve levels look like.
1-Month Reserve
$16,917
Risky
3-Month Reserve
$50,750
Minimum safe
6-Month Reserve
$101,500
Recommended
12-Month Reserve
$203,000
Recommended
Cash flow analysis is essential for understanding a business's true financial health. While the income statement shows profitability, the cash flow statement reveals liquidity — how much actual cash is moving in and out. Operating cash flow shows whether the core business generates cash. Investing cash flow reflects spending on assets and growth. Financing cash flow covers debt and equity transactions. Together, they paint a complete picture of where money comes from and where it goes.
A cash flow statement reports the cash generated and spent during a specific period. It's divided into three sections: operating activities (core business), investing activities (assets and investments), and financing activities (debt and equity).
Free cash flow (FCF) is operating cash flow minus capital expenditures. It represents the cash available to pay dividends, repay debt, or reinvest in the business after maintaining or expanding the asset base.
Net income includes non-cash items like depreciation and accrued revenues/expenses. Cash flow shows actual cash movement. A profitable company can still run out of cash if it has poor collections, heavy capital spending, or large debt payments.
Negative operating cash flow means the business is spending more cash on operations than it generates. While this can be temporary (e.g., a fast-growing startup), sustained negative operating cash flow is a red flag that may require external funding.
EBITDA Calculator
Calculate EBITDA and EBITDA margin from your financial statements. A key metric used in business valuation, loan underwriting, and comparing profitability across companies.
Working Capital Calculator
Calculate your net working capital, current ratio, and quick ratio. Assess your business's short-term liquidity and ability to cover upcoming obligations.