Free calculator / No account required

Cash flow vs. profit check calculator

Bridge accrual profit to an estimated cash balance and understand the gap.

Your inputs

USD. Use one consistent period or unit. Example values are provided.

Opening cash balanceBank cash at the start of the period.

Net profit before income taxesUse profit for the same period; a loss is a negative number.

Noncash expensesDepreciation or other noncash charges already deducted from profit.

Change in accounts receivableEnding minus opening unpaid customer invoices. A decrease is negative.

Change in inventoryEnding minus opening inventory at cost. A decrease is negative.

Change in accounts payableEnding minus opening unpaid supplier bills. A decrease is negative.

Equipment / capital purchasesCash purchases not already included as an expense in profit.

New loans / owner capitalCash added through borrowing or owner investment.

Loan principal repaidExclude interest already recorded in profit.

Owner withdrawalsCash taken out by the owner, excluding payroll already expensed.

Income taxes paidCash income taxes not already included in your profit input.

Additional cash reserveCash you choose to keep aside; this does not reduce the bank balance.

Your result

Educational estimate. Check important decisions against complete records.

Calculations stay in this browser. “Save to Pro” sends this report to your account when signed in with an active membership.