Cash Flow Statement Calculator

What is a Cash Flow Statement?

A Cash Flow Statement is a financial report that tracks the movement of cash in and out of a business over a specific period. It provides a clear picture of a company’s liquidity, helping business owners and investors understand how well the business generates cash to meet expenses, fund investments, and sustain operations.

Unlike a Profit & Loss (P&L) Statement, which focuses on revenues and expenses, a Cash Flow Statement shows actual cash movements, ensuring that businesses can effectively manage their working capital.

Our Cash Flow Calculator is designed to simplify this process by automatically calculating key cash flow metrics and generating professional reports in PDF and Excel formats. Below is a breakdown of each section in the tool:

1. Operating Cash Flow

Operating cash flow represents the cash generated or used by a business’s core operations. It indicates whether a company is making enough money from its activities to sustain itself without relying on external funding.

Operating Cash Flow: Income

These are cash inflows from primary business operations:

• Received from Customers – Total cash received from sales of goods or services.
• Other Cash Receipts – Any additional cash income not directly from sales.
• Total Received (Auto-Calculated) – Sum of all operating cash inflows.

Operating Cash Flow: Expenses

These are cash outflows incurred during daily operations:

• Inventory – Cash spent on purchasing goods or raw materials.
• Insurance – Business insurance costs.
• Rent & Lease – Payments for office, warehouse, or other leased spaces.
• Advertising – Marketing and promotional expenses.
• Payroll – Employee salaries and wages.
• Other Payments – Miscellaneous business expenses.
• Interest Paid – Interest expenses on business loans or lines of credit.
• Taxes – Business tax payments.
• Total Used (Auto-Calculated) – Sum of all operating expenses.
• Net Available (Auto-Calculated: Total Received – Total Used) – The remaining cash after all expenses.

2. Investment Cash Flow

Investment cash flow tracks cash movements related to buying or selling assets and investments. This section helps businesses evaluate their investment activities.

Investment Cash Flow: Income

Cash inflows from investment-related activities:

• Sale of Property – Cash received from selling assets like buildings or equipment.
• Sale of Investments – Proceeds from selling stocks, bonds, or other financial assets.
• Other Activity – Additional investment-related income.
• Total Received (Auto-Calculated) – Sum of all investment cash inflows.

Investment Cash Flow: Expenses

Cash outflows related to investments:

• Capital Expenditures – Money spent on acquiring or upgrading physical assets.
• Purchases – Business-related investments, such as software or equipment.
• Other Use – Additional investment-related expenses.
• Total Used (Auto-Calculated) – Sum of all investment expenses.
• Net Available (Auto-Calculated: Total Received – Total Used) – Net cash flow from investments.

3. Financing Cash Flow

Financing cash flow tracks cash transactions related to borrowing, repaying loans, or raising capital. It helps businesses understand their dependence on external financing.

Financing Cash Flow: Income

Cash inflows from financing activities:

• New Borrowing – Loans or credit received by the business.
• Stock Issuing – Capital raised by issuing company shares.
• Capital Contributions – Additional investments made by business owners.
• Total Received (Auto-Calculated) – Sum of all financing cash inflows.

Financing Cash Flow: Expenses

Cash outflows related to financing activities:

• Loan Repayments – Payments made towards business loans.
• Dividends Paid – Distributions to shareholders.
• Other Distributions – Additional financing-related expenses.
• Total Used (Auto-Calculated) – Sum of all financing expenses.
• Net Available (Auto-Calculated: Total Received – Total Used) – Net cash flow from financing activities.

4. Final Summary Section

This section provides a complete overview of your business’s cash position:

• Total Cash Inflow (Auto-Calculated: Sum of all income sources)
• Total Cash Outflow (Auto-Calculated: Sum of all expenses)
• Net Cash Flow (Auto-Calculated: Total Cash Inflow – Total Cash Outflow)

A positive cash flow means your business is generating more cash than it’s spending, while a negative cash flow suggests you may need to improve financial management or seek additional funding.