» Cash Flow Calculator


Use this cash flow calculator to analyse inflows and outflows across operating, investing, and financing activities. Enter a beginning cash balance to see the ending cash balance, net change in cash, and free cash flow for the period.

The calculator follows the direct-method structure of the Statement of Cash Flows. It is useful for business planning, budget review, and checking whether core operations are self-funding. For present-value analysis, use the NPV, IRR, or time value of money calculators.

Operating Activities
Cash In
Cash Out
Cash In 0.00
Cash Out 0.00
Investing Activities
Cash In
Cash Out
Cash In 0.00
Cash Out 0.00
Financing Activities
Cash In
Cash Out
Cash In 0.00
Cash Out 0.00
Result
Ending Cash Balance
0.00
Net Change in Cash
0.00
No change
Operating cash flow 0.00
Investing cash flow 0.00
Financing cash flow 0.00
Free Cash Flow 0.00
Cash Bridge
Beginning
0.00
Operating
0.00
Investing
0.00
Financing
0.00
Ending
0.00
Cash flow breakdown ▾
Cash in from operating 0.00
Cash out from operating 0.00
Cash in from investing 0.00
Cash out from investing 0.00
Cash in from financing 0.00
Cash out from financing 0.00

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Cash Flow Calculator FAQ

What does this cash flow calculator show?
It shows ending cash balance, net change in cash, and free cash flow by grouping inflows and outflows across operating, investing, and financing activities. Enter a beginning cash balance to see how cash moves from the start to the end of the period.

What is free cash flow?
Free cash flow (FCF) equals operating cash flow minus capital expenditure. It shows how much cash operations generate after funding necessary asset investment. Positive FCF means the business can service debt, pay dividends, or grow without additional external financing.

Why separate operating, investing, and financing cash flow?
The split reveals where cash actually comes from and goes. Two businesses can have the same net cash flow but very different quality — one funded by strong operations, the other by asset sales or new debt. The breakdown makes that visible.

Is positive net cash flow always a good sign?
Not always. Positive total cash flow could come from asset sales or new borrowings while core operations consume cash — which is not sustainable. Ideally, operating cash flow is positive and covers capital spending, leaving positive free cash flow.


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