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Business

Cash Flow Calculator

Enter operating, investing, and financing inflows and outflows to see your net cash position.

Updated June 2026 · Editorial standards

Cash Flow Inputs

$
$
$
$
$
$
Net Cash Flow
$140,000
Operating Cash Flow
$150,000
Free Cash Flow
$90,000
Financing Cash Flow
$50,000

Net cash flow: $140,000. Operating: $150,000, Investing: -$60,000, Financing: $50,000.Positive operating cash flow is the most important indicator of business health. Free cash flow (operating minus capex) indicates how much cash the business generates for owners after reinvestment.

By the KalkWise Editorial Team Reviewed for accuracy Updated June 2026

What is the cash flow calculator — operating, investing & financing?

In short

Net cash flow = operating cash flow + investing cash flow + financing cash flow. A healthy business typically has positive operating cash flow, negative investing (capital expenditure), and may have positive or negative financing depending on debt/equity activity.

Calculates operating, investing, and financing cash flows and net cash position from your business's inflows and outflows in each category.

How to use this calculator

  1. 1Enter operating inflows (sales receipts, collections).
  2. 2Enter operating outflows (payroll, rent, COGS payments).
  3. 3Enter investing inflows (asset sales, investments sold).
  4. 4Enter investing outflows (equipment purchases, capital expenditures).
  5. 5Enter financing inflows (loans received, equity raised).
  6. 6Enter financing outflows (loan repayments, dividends paid).

The formula

OCF=op. inflows−op. outflows
Net CF=OCF+ICF+FCF
OCF = Operating Inflows − Operating Outflows; ICF = Investing Inflows − Investing Outflows; FCF = Financing Inflows − Financing Outflows; Net = OCF + ICF + FCF
OCF
— Operating cash flow
ICF
— Investing cash flow
FCF
— Financing cash flow

Worked example

The scenario

Operating: $50K in, $35K out. Investing: $0 in, $10K out. Financing: $5K in (loan), $2K out (repayment).

gives

The result

OCF: +$15,000. ICF: −$10,000. FCF: +$3,000. Net cash flow: +$8,000.

Common use cases

  • Analyze quarterly or annual cash flow statement.
  • Identify cash flow problems even when profit looks fine.
  • Present cash position to investors or lenders.
  • Model the impact of a capital expenditure on cash.

Limitations & assumptions

  • This is a simplified model — a formal cash flow statement under GAAP has many adjustments from net income (depreciation, working capital changes).
  • Indirect method (starting from net income) is most common; this uses the direct method.
  • Operating lease payments now appear in financing under ASC 842.
  • Does not handle foreign currency translation or intercompany transactions.

Frequently asked questions

Profit is accrual-based (revenue when earned, expenses when incurred). Cash flow is actual money in/out. A business with high receivables, heavy inventory, or rapid growth can be profitable but cash-poor. Many business failures happen to profitable but cash-flow-negative companies.

Disclaimer: KalkWise calculators are provided for general informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Results are estimates based on the figures you enter and the assumptions described above. Actual outcomes will vary. Consult a qualified professional before making financial decisions.