Simple Cash Flow Forecaster

Project six months of expected inflows and outflows to spot cash shortfalls before they hit. Built for freelancers with lumpy invoice payments.

This tool is for informational purposes only. It is not accounting, tax, or legal advice. Always verify CRA, Revenu Québec, and provincial rules before invoicing.

Cash flow

Simple cash flow forecaster

Starting cash ($)

Month 1

Inflows ($)Outflows ($)

Month 2

Inflows ($)Outflows ($)

Month 3

Inflows ($)Outflows ($)

Month 4

Inflows ($)Outflows ($)

Month 5

Inflows ($)Outflows ($)

Month 6

Inflows ($)Outflows ($)

Lowest balance: $5,000.00

Month	Inflows	Outflows	Net	Balance
Month 1	$12,000.00	$7,500.00	$4,500.00	$9,500.00
Month 2	$9,000.00	$8,200.00	$800.00	$10,300.00
Month 3	$9,000.00	$8,200.00	$800.00	$11,100.00
Month 4	$9,000.00	$8,200.00	$800.00	$11,900.00
Month 5	$9,000.00	$8,200.00	$800.00	$12,700.00
Month 6	$9,000.00	$8,200.00	$800.00	$13,500.00

Pair with invoicing

Enter expected client payments when invoices are due and recurring expenses like rent, fuel, and software. Update monthly as reality changes.

Send invoices on schedule Due date calculator

Official sources

This calculator uses a simple cash-in and cash-out projection. It does not apply CRA, Revenu Québec, or provincial tax rates.