Cash Flow Calculator
Calculate operating, investing, and financing cash flows to assess business liquidity.
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How to use this calculator
Operating CF adds back non-cash charges (depreciation) and working capital changes to net income. Investing CF nets capital expenditures against asset sale proceeds. Financing CF nets new capital raised against repayments.
- 1
Enter your net income, depreciation, and any change in working capital for operating cash flow.
- 2
Add capital expenditures and asset sale proceeds for investing cash flow, and debt movements for financing cash flow.
- 3
Read the net cash flow, free cash flow, and each section of the cash flow statement.
Frequently asked questions
What is free cash flow?
Free cash flow (FCF) is operating cash flow minus capital expenditures. It represents the cash a business generates after maintaining and expanding its asset base — a key indicator of financial health.
Why is depreciation added back to net income?
Depreciation is a non-cash accounting expense that reduces net income but does not involve an actual cash outflow. Adding it back converts accrual-based net income to a cash-based figure.
What does a negative investing cash flow mean?
A negative investing cash flow usually means the business is spending on capital expenditures (equipment, property). This is normal for growing businesses and not necessarily a warning sign.
Cash Flow Calculator — Operating, Investing & Financing
How to use the cash flow
Use this cash flow to operating, investing, and financing cash flows to assess business liquidity. Enter your values above and get your result in seconds. The tool is free, works on all devices, and keeps your data private — nothing is stored or shared.
How the cash flow works
The cash flow calculator uses standard formulas used in business analysis, financial modelling, and commercial decisions. Enter your inputs, and the tool calculates the result instantly in your browser. No server-side processing means your data stays on your device. Results update in real time as you change inputs.
Why cash flow matters more than profit
A business can be profitable on paper while running out of cash. This happens when profits are tied up in unpaid receivables or inventory. Cash flow analysis shows the actual movement of money in and out of the business, which determines whether it can pay its bills, invest in growth, and survive downturns.
Understanding the three sections of cash flow
Operating cash flow shows the cash generated by core business activities. Investing cash flow reflects long-term asset purchases and sales. Financing cash flow tracks money raised from or returned to investors and lenders. A healthy business generates strong operating cash flow and uses it to fund strategic investments.
Cash flow: how it works
Business calculation tools cut through the complexity of commercial metrics, giving decision-makers fast, reliable figures. This tool is used by entrepreneurs, analysts, and students to model real-world business scenarios.
Who uses this tool?
Startup founders, business students, consultants, and finance teams use it to run quick commercial calculations and validate assumptions. It replaces ad hoc spreadsheets for common business metrics.
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →