Cash flow is king. A profitable business can still fail if cash is tied up. Our calculator breaks cash flow into three categories so you can see where cash is coming from and where it is going.
Net Cash Flow:
Operating Cash Flow:
How to Use This Tool
Enter net income.
Add back depreciation (non-cash expense).
Enter change in working capital.
Enter capital expenditures and asset sales.
Enter debt issued and dividends paid.
Click Calculate.
The Formula
Operating CF = Net Income + Depreciation + Change in WC. Investing CF = -CapEx + Asset Sales. Financing CF = Debt - Dividends.
Why It Matters
Your business brought in $45,000 but paid out $52,000 in expenses. Your -$7,000 net cash flow means you need to collect outstanding receivables faster or delay non-essential spending.