About this calculator

How-to: enter your current cash balance, average monthly revenue, expected monthly growth (as a decimal, e.g. 3% = 0.03) and your fixed + variable costs. We simulate 12 months forward and flag the runway (months until cash hits zero). A healthy business keeps 3–6 months of operating expenses in reserve.

Frequently asked questions

How much cash reserve should a small business hold?

3–6 months of operating expenses is the standard recommendation. Highly seasonal or project-based businesses (agencies, construction) should target 6–9 months.

Revenue growth vs cost growth?

Cash flow issues usually come from costs growing faster than collections. Watch DSO (days sales outstanding) — invoicing at Net 60 means you fund 2 months of costs before getting paid.

When should I raise financing?

Raise when you don't need it — with 6+ months of runway remaining. Investors and banks price risk into desperate borrowers.

What does the Small Business 12-Month Cash Flow Forecast do?

Simple rolling 12-month cash flow forecast: opening balance, monthly inflows, fixed costs, variable costs and growth rate — see when you run out of cash. How-to: enter your current cash balance, average monthly revenue, expected monthly growth (as a decimal, e.g. 3% = 0.03) and your fixed + variable costs. We simulate 12 months forward and flag the runway (months until cash hits zero). A healthy business keeps 3–6 months of operating expenses in reserve.

Is the Small Business 12-Month Cash Flow Forecast free to use?

Yes. Every calculator on Calcurly.com is free, works in your browser without sign-up, and can be embedded on your own website.

How accurate is the Small Business 12-Month Cash Flow Forecast?

Results are calculated in real time using industry-standard formulas. Treat the output as a well-informed estimate — always cross-check with local regulations, product datasheets, or a qualified finance professional before committing to a purchase or a job.

What inputs does the Small Business 12-Month Cash Flow Forecast need?

Enter values for: Opening cash balance, Month-1 revenue, Monthly revenue growth (%), Monthly fixed costs (rent, salaries, SaaS), Variable costs (% of revenue), One-off capex year 1 (equipment, deposits). Sensible defaults are pre-filled where possible so you can start with a single change.

Can I embed the Small Business 12-Month Cash Flow Forecast on my own website?

Yes — copy the iframe snippet at the bottom of this page, or use the Embed Generator to customise the size. The embedded version stays in sync with the live calculator on Calcurly.com.