Free cash flow snapshot — a 13-week runway in one click.
Type your current cash, monthly revenue, monthly expenses, and any upcoming outflow. Get a 13-week cash flow calculator view with the lowest week called out — no signup, no CSV, no credit card.
A free cash flow calculator should answer one question in under a minute: where will your bank balance be in 13 weeks? Drop in four numbers — current cash, average monthly revenue, average monthly expenses, and any large outflow you already know about — and the projection rolls those numbers forward week by week. The lowest projected week gets called out so a shortfall shows up before it becomes a missed payroll.
This is the same shape as a runway calculator you might build in a spreadsheet, but it lives on a static page with no JS and no signup. The math runs on the server and the result rides back in the URL — so you can share a snapshot with your bookkeeper or co-founder by sending the link. When the inputs grow from four numbers into a 200-row bank CSV, open the seeded demo to see the same method running on actuals.
FAQ
Cash-flow calculator questions.
What is a 13-week cash flow snapshot?
A 13-week cash flow snapshot is a one-shot roll-forward of your bank balance for the next quarter, given your current cash, your average monthly revenue and expenses, and any large outflow you already know about. It highlights the lowest projected week so a shortfall shows up before it becomes a missed payroll.
How is this different from a full cash flow forecast?
A full cash flow forecast plugs in your recurring items — payroll, rent, software — for the next 91 days. The snapshot is the same shape but uses four quick inputs (cash, revenue, expenses, one outflow) instead of a bank CSV. Use the snapshot to size up a scenario in under a minute; graduate to the full forecast when you want week-by-week accuracy on the recurring items.
Do I need to sign up to use the cash flow calculator?
No. The snapshot is fully public — no account, no email, no credit card. Fill in the four fields, hit "See your 13-week projection", and the page computes the projection server-side and shows the result. Sign-up only kicks in if you want to keep the full 13-week AI forecast or layer in your real bank CSV.
What does the suggestion sentence mean?
The sentence picks one of five deterministic rules based on your inputs — how healthy your margin is, the ratio of expenses to revenue, and the size of any one-time outflow. It is plain-English guidance, not financial advice: think of it as "here is the lever that would change this runway the most".
Can I share a cash flow snapshot with my bookkeeper?
Yes. After you submit, the URL updates to a copy-able link with the inputs + projection encoded — anyone who opens the link sees the same result card. Nothing is stored against your name unless you sign up, so sharing the link is safe.
Is this a runway calculator or a cash flow calculator — or both?
Both. The same model doubles as a runway calculator (when does the balance dip below zero?) and a cash flow calculator (what does the next 13 weeks look like week by week?). The headline shows the lowest projected week and low balance; the chart shows the full shape.
Want the full 13-week AI forecast?
Layer in your real bank CSV, get scheduled Monday updates, and unlock personalized savings callouts — all free forever.