Simple 6-month cash flow projection — enter your monthly income and expenses to identify potential cash gaps before they become crises.
Advertisement
💰
Fill in the details to get your result.
How This Works
Cash flow = opening balance + monthly income − monthly expenses. Unlike profit, cash flow accounts for timing — you can be profitable on paper but insolvent if customers pay late. This simple projection assumes consistent monthly income and expenses. In reality, model your actual payment terms (e.g. 30-day invoicing delays) for a more accurate picture.
Late customer payment is the single biggest cause — the UK average invoice payment time for SMEs is 37 days beyond terms. Solutions: shorter payment terms (14 days instead of 30), requiring deposits upfront (25–50%), using direct debit collection (GoCardless), invoice financing (selling invoices to a factorer for immediate cash), and cash flow forecasting 3–6 months ahead to anticipate gaps. Never rely on a single large client for more than 30% of revenue.