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Cash Flow Forecast
Free 6-month cash flow forecast tool for small businesses and freelancers. Enter your monthly income and expenses to project your running balance, net cash flow, and lowest balance. Instantly highlights potential cash shortfalls before they happen.
Current cash balance
| Apr | May | Jun | Jul | Aug | Sep | |
|---|---|---|---|---|---|---|
| Income (£) | ||||||
| Expenses (£) |
Enter your monthly income and expenses to forecast your cash flow for the next 6 months.
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Frequently Asked Questions
What is a cash flow forecast?
A cash flow forecast projects your expected cash inflows (revenue, loans) and outflows (expenses, loan repayments, tax) over a future period. It shows your projected running balance at the end of each period, helping you identify potential shortfalls before they happen.
Why is cash flow different from profit?
Profit is revenue minus costs on paper. Cash flow is the actual money moving in and out of your account. You can be profitable but have cash flow problems if clients pay late, you have large upfront costs, or you pay tax in lump sums. Cash flow management is often more critical than profitability for survival.
How far ahead should I forecast cash flow?
Most small businesses forecast 3 to 12 months ahead. 3 months gives tactical visibility. 12 months enables strategic planning. This tool covers 6 months, which is suitable for most operational planning needs.
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