Agents for Data

Cash Flow Calculator

Calculate operating, investing, and financing cash flows instantly. Get free cash flow, cash runway, and compare your metrics against industry benchmarks.

Enter Your Values
$

Your profit after all expenses and taxes (from income statement)

$

Non-cash expense to add back (found on income statement or tax return)

$

Increase (enter positive) or decrease (enter negative) from prior period

$

Increase (enter positive) or decrease (enter negative) from prior period

$

Increase (enter positive) or decrease (enter negative) from prior period

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Money spent on equipment, property, or other long-term assets

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Cash received from selling equipment, property, or investments

$

Cash received from new loans or credit lines

$

Principal payments on loans (not interest—that's in net income)

$

Cash paid out to owners or shareholders

$

Cash and cash equivalents on hand today

$

Average monthly cash needed to run the business (for runway calculation)

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Total sales/revenue for the period (for margin calculations)

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Total short-term obligations due within 12 months (for ratio calculation)

Formula

Net Cash Flow = Operating CF + Investing CF + Financing CF

Operating Cash Flow adjusts net income for non-cash items and working capital changes. Investing Cash Flow captures cash for long-term assets. Financing Cash Flow shows cash from debt and equity. Free Cash Flow (OCF - CapEx) represents cash available after maintaining the business.

Net Cash Flow$60,000

Positive cash flow of $60,000. Your business is generating healthy cash from operations.

Operating Cash Flow$60,000
Investing Cash Flow$0
Financing Cash Flow$0
Free Cash Flow (FCF)$60,000
OCF Ratio1.20x
Liquidity StatusHealthy
FCF Margin30.0%
Ending Cash Position$160,000
Cash RunwayPositive cash flow — extending runway
Cash Flow Health Score100/100 (Excellent)

Cash Flow Benchmarks

CriticalNegative OCF — cash draining from operations
< $0
MarginalOCF Ratio < 0.5x — weak liability coverage
$0 – $0
AdequateOCF Ratio 0.5-1.0x — monitor closely
$1 – $1
HealthyOCF Ratio 1.0-1.5x — good liquidity
$1 – $1
StrongOCF Ratio 1.5x+ — excellent cash generation
> $2

Source: CFO Magazine & Industry Benchmarks 2024

How to Calculate Cash Flow

  1. Enter your net income from the income statement
  2. Add back depreciation and amortization (non-cash expense)
  3. Enter changes in working capital (AR, inventory, AP)
  4. Input capital expenditures and asset sales
  5. Add financing activities (debt, equity, dividends)
  6. Enter current cash balance and monthly expenses for runway
  7. View your Operating, Investing, and Financing cash flows
  8. Check your Free Cash Flow and Cash Runway projections

Cash Flow Industry Benchmarks

1.0 - 1.5x current liabilities

Healthy Operating Cash Flow Ratio

10-15% of revenue

Target Free Cash Flow Margin

6+ months of operating expenses

Recommended Cash Runway

30-45 days

Cash Conversion Cycle (Retail)

Negative (collect before delivering)

Cash Conversion Cycle (SaaS)

27 days of expenses (danger zone)

Average SMB Cash Reserve

Source: CFO Magazine & Industry Benchmarks 2024

Frequently Asked Questions