Home › Free Tools › Monthly Cash Flow Calculator for Small Business
List your money in and money out for the month to see your net cash flow and closing balance — line by line, like a simple cash flow statement.
Money in
Money out
Cash flow is simply the money moving in and out of your business over a period — and it’s what actually keeps the doors open. A business can be profitable on paper and still run out of cash if money goes out before it comes in. This calculator gives you a clear picture: start with your opening balance, add what came in, subtract what went out, and see where you land.
Enter your opening balance, then add line items for money in (sales, deposits, other income) and money out (rent, payroll, parts, ads, loan payments). The tool shows total inflow, total outflow, your net cash flow for the period, and your closing balance. It updates as you type, all in your browser, with nothing stored anywhere.
The math: closing balance = opening balance + total inflow − total outflow; net cash flow is inflow minus outflow. A positive net means you’re building a cushion; a negative net means you’re drawing it down, which is fine for a month but a warning sign if it repeats. Watching this monthly is one of the simplest habits that keeps a small business out of trouble.
A worked example for a small repair shop: opening balance $5,000. Money in — $11,200 in completed jobs and $800 in deposits for booked work, so total inflow is $12,000. Money out — $2,000 rent, $6,500 payroll, $1,800 parts, $400 advertising and a $300 loan payment, so total outflow is $11,000. Net cash flow is $12,000 − $11,000 = +$1,000, and the closing balance is $6,000. Note what a single slow week would do: drop one $1,200 job and the month goes to −$200 net — which is why cash flow, not profit, is what you feel first. Profit counts a job when you invoice it; cash flow counts it when the money actually lands.
StandupCRM helps repair shops see revenue and costs in one place so cash flow isn’t a mystery — this free tool is the quick, standalone version.
The money moving in and out of your business over a period. Positive means more came in than went out.
Opening balance plus total money in, minus total money out.
Take the cash you started the period with, add every dollar that actually came in (payments received, deposits), and subtract every dollar that went out (rent, payroll, parts, loan payments). Inflow minus outflow is your net cash flow; add it to your opening balance to get your closing balance. This tool does that line by line.
Profit counts revenue when you invoice it; cash flow counts money when it actually arrives or leaves. A shop can be profitable on paper and still miss payroll if customers haven’t paid yet — that timing gap is why you track both.
Yes, free with no signup.
No — it runs entirely in your browser.
StandupCRM gives repair shops Google Ads landing pages, lead capture, and a CRM dashboard — plus free tools like this to bring customers in.
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