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.

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    Calculate your net cash flow
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    See how much you’re spending
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    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.

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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?


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


What is your projected monthly money out?


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


The cash flow calculator is for general information only and should not be taken as taxation, financial, investment or legal advice. Xero recommends that you always obtain specific and detailed professional advice about any business decision.

Understand your cash flow instantly

Xero allows you to automate tasks and access numbers in real-time so you have a better understanding of your money – without a cash flow calculator.

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More about online accounting with Xero

What is Xero?

With Xero’s online accounting software, you can manage your small business in the cloud.

Watch an overview of Xero

Business on the go

Use Xero’s cloud accounting anytime, on any device with the internet.

How to run your business online

Cash flow support

Browse other resources like our cash flow calculator to improve your cash flow management.

Visit our cash flow hub

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

Resources for a healthy cash flow

For more resources like our cash flow calculator, browse our cash flow content hub where you can find expert guides to support you with cash flow management.

Explore our cash flow resources
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Plans to suit your business

All pricing plans cover the accounting essentials, with room to grow.



GBP per month

Good for sole traders, new businesses, and the self-employed.



GBP per month

Good for growing small businesses.



GBP per month

Good for established businesses of all sizes.



GBP per month

Ideal for employing businesses and those with more advanced needs.

Start using Xero for free

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

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    Safe and secure
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    Cancel any time
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    24/7 online support