Cash Flow Calculator
Monthly projection • Financial planning
Income (Inflows)
Expenses (Outflows)
Results
💰 Monthly Result
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📈 Total Income
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📉 Total Expenses
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Financial Summary
Maintain an emergency reserve of 3 to 6 months of fixed expenses.
📊 What is Cash Flow?
Cash flow is the control of all money inflows (income) and outflows (expenses) of a business over a given period. Essential for financial planning.
📐 How to Interpret Cash Flow
- Positive Cash Flow: Income > Expenses → Profit for the period
- Neutral Cash Flow: Income = Expenses → Break-even point
- Negative Cash Flow: Income < Expenses → Loss for the period
📋 Important Indicators
- Contribution Margin: Revenue - Variable Costs
- Break-even Point: Fixed Costs / Contribution Margin
- Working Capital: Current Assets - Current Liabilities
💡 Tips for Healthy Cash Flow
- Negotiate longer payment terms with suppliers
- Offer discounts for upfront payments
- Maintain strict control of accounts payable/receivable
- Create reserves for low seasonal periods
- Review fixed costs periodically