Cash Flow Calculator
Enter monthly revenue, cost of goods, payroll, rent, software, marketing, insurance, professional services, loan payments, other expenses, growth estimates, and current cash reserves. See total expenses, net cash flow, gross and net margin, burn rate, runway, and 12-month cash projection with revenue and expense growth. Catch negative months before they catch you.
Instant calculations · Editable fee assumptions · Export-ready results
Inputs
Values update results instantly. Adjust fee assumptions to match your seller dashboard.
Money in
Total money in this month
Money out
Direct product/fulfillment costs
Wages, contractors, yourself
Physical space costs
SaaS tools, platforms, apps
Ads, influencers, printing
Business, liability, health share
Accountant, lawyer, consultant
Monthly loan or credit payments
Everything else
Projections
Monthly revenue growth estimate
Monthly expense growth estimate
Starting position
Cash in bank today
Results
Live estimates based on your inputs and editable fee assumptions.
Total monthly expenses
$7,750.00
Sum of all money out.
Net cash flow
$750.00
Revenue minus expenses.
Gross margin %
67.1%
(Revenue - COGS)/Revenue.
Net margin %
8.8%
Net cash flow divided by revenue.
Burn rate (if negative)
$0.00
Monthly loss if negative.
Runway months (if burning)
0
Reserves divided by burn.
Cash after 12 months projection
$46,351.88
Reserves plus 12 months net with growth.
Operating expense ratio
91.2%
Total expenses divided by revenue.
What this means
$8500/mo in, $7750 out = $750 net. Gross 67.1% net 8.8%. OpEx ratio 91.2%. $15000 growing to $46352 in 12 months at 5% rev / 2% exp growth.
Revenue vs expenses and net flow
Interactive breakdown of fees, costs, and remaining profit.
Distribution
- COGS$2,800.0032.9%
- Payroll$2,500.0029.4%
- Other expenses$2,450.0028.8%
- Net positive$750.008.8%
Total $8,500.00 · 4 segments · interactive
Line-item breakdown
Dollar amounts, share of revenue, and visual proportion.
- Monthly revenue
- $8,500.00
- COGS
- $2,800.00
- Payroll
- $2,500.00
- Rent
- $900.00
- Software
- $350.00
- Marketing
- $600.00
- Insurance
- $150.00
- Professional
- $200.00
- Loans
- $0.00
- Other
- $250.00
- Total expenses
- $7,750.00
- Net cash flow
- $750.00
- Gross margin
- 67.1%
- Net margin
- 8.8%
- Burn rate
- $0.00
- Runway months
- 0
- Cash after 12 months
- $46,351.88
Assumptions used
- • Total $7750.00 = sum of 9 expense fields
- • Net $750.00 = $8500.00 − $7750.00
- • Gross 67.1% = (8500.00−2800.00)/8500.00
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Cash Flow Calculator
Generated 8/4/2026, 2:50:25 PM · Currency USD
Inputs
- Monthly revenue: 8500
- Cost of goods sold / direct costs: 2800
- Payroll / contractor pay: 2500
- Rent / mortgage / warehouse: 900
- Software and subscriptions: 350
- Marketing and ads: 600
- Insurance: 150
- Professional services: 200
- Loan and debt payments: 0
- Other expenses: 250
- Monthly revenue growth %: 5
- Monthly expense growth %: 2
- Current cash reserves: 15000
Results
- Monthly revenue: $8,500.00
- COGS: $2,800.00
- Payroll: $2,500.00
- Rent: $900.00
- Software: $350.00
- Marketing: $600.00
- Insurance: $150.00
- Professional: $200.00
- Loans: $0.00
- Other: $250.00
- Total expenses: $7,750.00
- Net cash flow: $750.00
- Gross margin: 67.1%
- Net margin: 8.8%
- Burn rate: $0.00
- Runway months: 0
- Cash after 12 months: $46,351.88
Interpretation
$8500/mo in, $7750 out = $750 net. Gross 67.1% net 8.8%. OpEx ratio 91.2%. $15000 growing to $46352 in 12 months at 5% rev / 2% exp growth.
How it works
Methodology & formulas
This calculator is transparent by design. Review the steps and formulas so you can trust the estimate and adjust assumptions when your dashboard differs.
Calculation steps
- 1Sum all expense fields for total monthly expenses.
- 2Subtract from revenue for net cash flow.
- 3Gross margin isolates direct costs, net margin includes all costs.
- 4If net negative, calculate burn and runway months.
- 5Project 12 months forward: start with cash reserves, each month add revenue with growth minus expenses with growth, track final cash.
Formulas
- totalExpenses = sum(all expense fields)
- netCashFlow = revenue − totalExpenses
- grossMargin = (revenue−COGS)/revenue×100
- netMargin = netCashFlow/revenue×100
- burnRate = netCashFlow<0 ? abs(netCashFlow) : 0
- runway = reserves / burnRate if burning
- cash12 = reserves + sum(monthly nets with growth)
Important assumptions
- Total expenses = COGS + payroll + rent + software + marketing + insurance + pro services + loan + other.
- Net cash flow = monthlyRevenue − totalExpenses.
- Gross margin = (revenue − COGS) / revenue ×100.
- Net margin = netCashFlow / revenue ×100.
- Burn rate = absolute netCashFlow if negative else 0.
- Runway = cashReserves / burnRate if burning.
- 12-month projection compounds monthly growth rates for revenue and expenses.
Worked example
Small product shop with $8,500 revenue
$8,500 revenue, $2,800 COGS, $2,500 payroll, $900 rent, $350 software, $600 marketing, $150 insurance, $200 professional, $0 loans, $250 other = $7,750 expenses. Net $750. Gross 67%, net 8.8%. $15K reserves grows to ~$25K in 12 months at 5% rev growth, 2% expense growth.
FAQ
Common questions
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