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Calculate your cash flow

Find out how much money is moving in and out of your business with our free cash flow calculator. Get a steer on how your business is tracking month to month so you can plan ahead with confidence.

  • Included
    Calculate your net cash flow
  • Included
    See how much you’re spending
  • Included
    Forecast your monthly finances

How to use Xero’s cash flow calculator

Fill in the boxes on our cash flow calculator to see how much money is flowing through your business. If you don’t have exact figures, try to estimate them as accurately as possible. Some boxes might not be relevant to you. You can still use the cash flow calculator, just leave those boxes blank.

Illustrated calculator and stack of coins

Xero cash flow calculator

This calculator helps you to forecast the cash flow of your business from month to month.*

What is your projected monthly money in?

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$

What is the total value of your unpaid invoices for previous months?

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What is your projected monthly money out?

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$
$
$
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$
$
$
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Your cash flow is: To be calculated

Cash flow is the net amount of money being transferred into and out of your business.

Monthly money in –

Cash inflow is the money coming into your business.

Monthly money out –

The money coming out of your business each month

Net cash flow –

The money coming into your business each month less the money going out

Potential cash flow –

Potential cash flow is your net cash flow if all your invoices are paid on time.

Get a real time view of your cash flow with Xero. Start a 30 day free trial

Access demo mode for free

Experience first hand how Xero can simplify and automate your numbers for you - no setup required.

  • Included
    View all Xero features
  • Included
    Access demo account
  • Included
    30-day full access to Xero

Get paid faster with online invoice payments

Keep cash flowing by allowing your customers to pay online, straight from an invoice, with Xero’s click-to-pay functionality.

Learn more about online payments

Plans to suit your business

Grow

Usually $75

Now $7.50

AUD per month

Save $202.50 over 3 months

Go beyond the basics - automate tasks and access performance dashboards.

  • Included
    Send invoices and quotes
  • Included
    Accept online invoice payments^
  • Included
    Automate bill entry and track bills
  • Included
    Auto-reconcile bank transactions (Beta)
  • Included
    Track GST and lodge BAS
  • Included
    Capture bills and receipts with Hubdoc
  • Included
    View real-time reports
  • Included
    Automate superannuation
  • Included
    Payroll for 2 people
  • Included
    60 day cashflow forecast
  • Included
    Visualise performance with graphs
  • Included
    Customise performance dashboards
  • Included
    Claim expenses and mileage for 1 user

Comprehensive

Usually $100

Now $10

AUD per month

Save $270 over 3 months

Optimise profitability - tailor your insights for greater control.

  • Included
    Send invoices and quotes
  • Included
    Accept online invoice payments^
  • Included
    Automate bill entry and track bills
  • Included
    Auto-reconcile bank transactions (Beta)
  • Included
    Track GST and lodge BAS
  • Included
    Capture bills and receipts with Hubdoc
  • Included
    View real-time reports
  • Included
    Automate superannuation
  • Included
    Payroll for 5 people
  • Included
    90 day cashflow forecast
  • Included
    Visualise performance with graphs
  • Included
    Customise performance dashboards
  • Included
    Claim expenses and mileage for 5 users
  • Included
    Use multiple currencies
  • Included
    Tailored financial health scorecards

Usually $130

Now $13

AUD per month

Save $351 over 3 months

Future proof your scaling business - with advanced tools and analytics.

  • Included
    Send invoices and quotes
  • Included
    Accept online invoice payments^
  • Included
    Automate bill entry and track bills
  • Included
    Auto-reconcile bank transactions (Beta)
  • Included
    Track GST and lodge BAS
  • Included
    Capture bills and receipts with Hubdoc
  • Included
    View real-time reports
  • Included
    Automate superannuation
  • Included
    Payroll for 10 people
  • Included
    180 day cashflow forecast
  • Included
    Visualise performance with graphs
  • Included
    Customise performance dashboards
  • Included
    Claim expenses and mileage for 10 users
  • Included
    Use multiple currencies
  • Included
    Tailored financial health scorecards
  • Included
    Analyse KPIs and ratios
  • Included
    Track projects for 10 users
  • Included
    Benchmark against the industry

*Disclaimer

Xero does not provide accounting, tax, business or legal advice. This calculator has been provided for information purposes only. You should consult your own professional advisors for advice directly relating to your business.

Start using Xero for free

Access Xero features for 30 days, then decide which plan best suits your business.