Cash Flow Forecast Calculator
Enter your expected monthly revenue, average collection period and monthly expenses to estimate your net cash position and see how long it takes to receive payment for work completed.
Your inputs
Estimated cost
Est. cash received this month
£86,957
Based on 45-day collection period
Monthly expenses
£75,000
Net monthly cash flow
£11,957
Positive cash flow this month
Closing cash balance
£41,957
Invoice finance upside
£0
Additional cash available with 85% advance rate vs waiting for payment
Assumptions used in this calculator
- Cash received is estimated based on a smoothed collection period assumption.
- For accurate forecasting, use accounting software with bank feed integration.
- Invoice finance upside based on 85% advance rate on monthly invoices.
- This is a simplified single-month view. A 13-week rolling forecast is recommended for business management.
Other Spark Finance calculators
Calculator questions
How often should I update my cash flow forecast?
A 13-week rolling forecast reviewed weekly is best practice for operational cash management. Monthly reviews are a minimum for most businesses.
What is the difference between a cash flow forecast and a P&L forecast?
A P&L forecast records revenue and expenses when they are earned or incurred (accruals basis). A cash flow forecast records cash when it actually moves in and out of your bank account. The timing difference between them is your working capital gap.
How to get a cash flow forecast through Spark Finance
- 1
Complete the free calculator above to understand your estimated monthly repayment.
- 2
Click 'Check your eligibility' to start your full application in under five minutes.
- 3
Spark Finance approaches multiple lenders and presents you with competing offers to compare.
- 4
Accept your preferred offer and funds are typically released within 24-72 hours.
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