Cash Flow Calculator

Enter actual cash received and paid

Cash Received from Customers (₹)Actual cash collected, not credit sales

Paid to Suppliers (₹)

Salaries & Wages Paid (₹)

Rent & Utilities Paid (₹)

GST / Tax Paid (₹)

Other Operating Payments (₹)

Capital Expenditure (₹)Asset purchases this period

Loan Repayments (₹)EMI principal component

Net Cash Flow

—

Operating Cash Flow

—

Investing Cash Flow

—

Financing Cash Flow

—

Cash Status

—

💡 Business Impact

Profit and cash flow are different. A profitable business can still fail if cash flow turns negative. Cash is king.

Recommended Actions

✓ Track actual cash received, not invoiced revenue

✓ Plan large payments around cash-positive weeks

✓ Build 3-month cash flow forecasts

✓ Keep operating CF positive — always

You've Calculated the Result. Now Imagine Tracking It Automatically.

This free tool gives you a quick snapshot. But growing businesses don't just check KPIs once — they monitor them continuously.

VasyERP helps businesses monitor performance, optimise inventory and cash flow, track sales, and gain actionable insights — all from a single intelligent dashboard.

💡 Think About It — If this free tool helped you uncover one insight in seconds, imagine your entire business connected to an AI platform analysing thousands of transactions, inventory movements, and sales every day. That's the difference between checking a number and managing with intelligence.

Trusted by retailers, distributors, manufacturers, wholesalers, and D2C brands.

✓ Enterprise-grade Inventory, Billing, GST & Business Automation ERP ✓ AI-powered Distribution, Retail & Manufacturing ERP ✓ Real-time dashboards and business intelligence ✓ Demand forecasting and inventory planning ✓ Workflow automation and operational control ✓ Profitability, cash flow, and performance insights

GST Compliant Made in India Free Forever No Signup

Continue Your Analysis

GST Calculator Retail Margin Inventory Turns Break-Even

Discover more tools for improving cash flow, collections, and profitability.

This result was created using VasyERP Free Business Tools — vasyerp.com

Formula & How It Works

Operating CF = Cash from Customers − Supplier + Salary + Rent + Tax payments
Investing CF = −Capital Expenditure
Financing CF = −Loan Repayments
Net Cash Flow = Operating + Investing + Financing CF

Worked Example

Scenario: Collected ₹45L, Paid suppliers ₹30L, Salaries ₹6L, Rent ₹2L, GST ₹1.5L, Capex ₹2L, Loan ₹1L.

OCF = ₹5.5L | ICF = −₹2L | FCF = −₹1L | Net = ₹2.5L positive

When to Use This Calculator

Monthly cash flow statement for management
Identify months where cash will be tight
Plan large payments and capex around cash availability
Present to bank for working capital limit review
CA preparation of cash flow statement for audit

Frequently Asked Questions

What is cash flow? +

Cash flow is the net amount of cash moving in and out of a business in a period. Positive cash flow means more cash came in than went out.

What is operating cash flow? +

Operating cash flow = Net Profit + Depreciation − Change in Working Capital. It shows cash generated from core business operations.

Why can a profitable business have negative cash flow? +

Because profit is accrual-based (includes credit sales not yet collected). Cash flow is based on actual money received. A business can be profitable but cash-starved if collections are slow.

What is free cash flow? +

Free Cash Flow = Operating Cash Flow − Capital Expenditure. It's the cash available after maintaining or expanding the asset base.