Cash Flow Forecast Calculator
Project 12-month cash flow for your business
Build a 12-month cash flow forecast with revenue growth, fixed costs, variable costs, and one-time expenses. Track monthly closing balance.
| Month | Revenue | Expenses | Net CF | Balance |
|---|---|---|---|---|
| Jan | ₹300K | ₹210K | ₹90K | ₹590K |
| Feb | ₹315K | ₹213K | ₹102K | ₹692K |
| Mar | ₹331K | ₹216K | ₹115K | ₹807K |
| Apr | ₹347K | ₹219K | ₹128K | ₹934K |
| May | ₹365K | ₹223K | ₹142K | ₹1076K |
| Jun | ₹383K | ₹227K | ₹156K | ₹1232K |
| Jul | ₹402K | ₹230K | ₹172K | ₹1404K |
| Aug | ₹422K | ₹234K | ₹188K | ₹1592K |
| Sep | ₹443K | ₹239K | ₹205K | ₹1796K |
| Oct | ₹465K | ₹243K | ₹222K | ₹2019K |
| Nov | ₹489K | ₹248K | ₹241K | ₹2260K |
| Dec | ₹513K | ₹253K | ₹260K | ₹2520K |
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What is a Cash Flow Forecast Calculator?
Cash flow is the lifeblood of any business — more startups die from cash flow problems than from product failures. A business can be profitable on paper yet insolvent in practice if receivables come in 60 days after payables go out. A 12-month cash flow forecast forces you to see this mismatch before it becomes a crisis.
This free cash flow forecast calculator builds a month-by-month projection from six inputs: starting cash balance, initial monthly revenue, monthly revenue growth rate, fixed costs (rent, salaries, subscriptions), variable costs as a percentage of revenue, and any one-time expenses in specific months. It outputs a 12-row table showing opening balance, revenue, total costs, net cash flow, and closing balance.
Indian MSMEs and startups can use this to plan for GST payment quarters, festival-season revenue spikes, and annual expenses like insurance and license renewals that break monthly cash rhythm.
Why use this Cash Flow Forecast Calculator
Built for Indians, by Indians. Every number, every formula, every slab — tuned to FY 2026-27 reality.
12-month Table
Row-by-row monthly breakdown with opening balance, revenue, costs, and net cash flow.
Compounding Revenue
Revenue grows at your specified monthly rate — models business growth realistically.
Negative Balance Alert
Rows with negative closing balance highlight in red so you spot cash crunches instantly.
100% Private
All calculations run in browser. Nothing stored.
Using the Cash Flow Forecast Calculator in 4 steps
No onboarding, no signup. Answer three fields and the numbers update live.
Enter starting balance
Your current bank balance or the amount of funding/capital available at the start of the forecast period.
Set revenue and growth rate
Enter current monthly revenue and expected monthly growth rate. 5–10% monthly is aggressive; 2–3% is conservative for established businesses.
Enter costs
Fixed monthly costs (salaries, rent, SaaS subscriptions) and variable costs as a percentage of revenue (raw materials, fulfilment, commissions).
Review the 12-month table
Look for months with red (negative) closing balances — these are your cash crunch months. Plan credit line drawdowns or receivable acceleration for these months.
Tips to get the most out of it
Build three scenarios: base case, optimistic (+30% revenue), and pessimistic (-30%). Your minimum viable cash buffer should survive the pessimistic scenario.
Account for GST payments — quarterly advance tax payments in March, June, September, December create predictable cash outflows that many Indian businesses underplan for.
Model receivable cycles honestly. If you invoice net-30 or net-45, your December revenue may not appear in your bank until February.
Review actual vs. forecast monthly and update forward projections. A forecast that is never updated becomes fiction.
Keep 2–3 months of fixed costs as a cash reserve before taking on new fixed commitments (hiring, office space).
Real-world scenarios
How Indians actually use this calculator — concrete inputs, concrete outcomes.
Bootstrapped SaaS, Year 1
Starting balance: ₹10L. Revenue: ₹1L/mo growing 8%/mo. Fixed costs: ₹80K/mo. Variable: 10%. Month 7 revenue: ₹1.71L. Month 12 revenue: ₹2.52L. Closing balance grows from ₹10L to ₹18.4L.
Retail business, seasonal
Revenue ₹5L/mo base, spikes to ₹10L in Oct–Dec (Diwali). Fixed costs ₹3L/mo. Without festival planning, June–August look cash-thin. With a ₹5L credit line drawdown in August, the business sails through.
Agency with 60-day payment terms
Revenue ₹8L/month but collected with 60-day lag. Month 1 and 2 show negative cash flow despite profitable operations. Calculator reveals the need for a ₹16L working capital facility.
Frequently Asked Questions
Still have a question? Our team replies within a business day.
Profit is revenue minus expenses on an accrual basis (when earned/incurred). Cash flow is actual money in vs. money out. A business can be profitable but cash-negative if customers pay late or inventory builds up.
Accuracy decreases with time. Months 1–3 should be ±10%, months 4–6 ±20%, months 7–12 ±30–40%. Update monthly with actuals to maintain relevance.
For established businesses, 1–3% monthly (12–36% annual). For early-stage startups with product-market fit, 5–10% monthly. Anything above 10%/month should be used only if you have evidence (pipeline, contracts).
Monthly GSTR-3B filers pay by the 20th of the following month. For businesses collecting GST from customers before remitting to government, this is essentially a 20-50 day float. Quarterly filers have a larger float but bigger periodic outflows.
At minimum, 2 months of fixed operating costs. Ideally 3–6 months. For businesses with lumpy revenue (project-based, seasonal), target 4–6 months of fixed costs as a buffer.
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