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.
- Calculate your net cash flow
- See how much you’re spending
- Forecast your monthly finances
Xero cash flow calculator
This calculator helps you to forecast the cash flow of your business from month to month.
Your cash flow is: To be calculated
Cash flow is the net amount of money being transferred into and out of your business.
Monthly cash inflow –
Cash inflow is the money coming into your business.
Monthly cash outflow –
Cash outflow is the money coming out of your business.
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 net cash flow if all your invoices are paid on time. Start a 30 day free trial
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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.
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Plans to suit your business
All pricing plans cover the accounting essentials, with room to grow.
Early
Usually $25
Now $2.50
USD per month
Save $67.50 over 3 months
Growing
Usually $55
Now $5.50
USD per month
Save $148.50 over 3 months
Established
Usually $90
Now $9
USD per month
Save $243 over 3 months
*This offer of 90% off Xero’s then-current regular price for the first 3 months is only available to new customers in the US purchasing their first organization on xero.com. Offer available until 11:59pm PST on October 31, 2025 using code DC109043GL at checkout. Discount applies to base Early, Growing, Established plan subscriptions only, and will not apply to any additional charges for add-ons, usage or payment fees. After the first 3 months, Xero’s then-current regular price will apply and auto-renew monthly until cancelled. This offer cannot be used with, or exchanged for, any other offer. Xero can change or cancel this offer at any time.
*Xero & Stripe 60 day free offer: This offer is available to eligible Xero subscribers in Australia, United Kingdom, New Zealand, Canada and United States of America who connect a new Stripe account via Xero before 31/10/25. Under this offer, transaction fees for each eligible Xero subscriber will be waived for 60 days, or until the transaction volume limit is reached (Australia: $15,000, United Kingdom: £8,000, United States: $10,000, Canada: $10,000, New Zealand: $15,000), whichever is first - after which standard fees apply. Fees for currency conversion, instant payouts, and disputes are excluded. Limit one per organization.Full T&Cs apply, see here.
Xero reserves the right to change pricing at any time.
Xero subscriptions auto-renew monthly until they are cancelled.
†Invoice limits for the Early plan apply to both approving and sending invoices. Transactions initiated by app partners may automatically contribute to your invoice limit.
†† Payment fees apply to the use of online bill payments. The payment fees are in addition to your Xero monthly subscription amount, and are subject to change. All fees are in US dollars and exclude applicable taxes unless otherwise specified.
*This offer of 90% off Xero’s then-current regular price for the first 3 months is only available to new customers in the US purchasing their first organization on xero.com. Offer available until 11:59pm PST on October 31, 2025 using code DC109043GL at checkout. Discount applies to base Early, Growing, Established plan subscriptions only, and will not apply to any additional charges for add-ons, usage or payment fees. After the first 3 months, Xero’s then-current regular price will apply and auto-renew monthly until cancelled. This offer cannot be used with, or exchanged for, any other offer. Xero can change or cancel this offer at any time.
*Xero & Stripe 60 day free offer: This offer is available to eligible Xero subscribers in Australia, United Kingdom, New Zealand, Canada and United States of America who connect a new Stripe account via Xero before 31/10/25. Under this offer, transaction fees for each eligible Xero subscriber will be waived for 60 days, or until the transaction volume limit is reached (Australia: $15,000, United Kingdom: £8,000, United States: $10,000, Canada: $10,000, New Zealand: $15,000), whichever is first - after which standard fees apply. Fees for currency conversion, instant payouts, and disputes are excluded. Limit one per organization.Full T&Cs apply, see here.
Xero reserves the right to change pricing at any time.
Xero subscriptions auto-renew monthly until they are cancelled.
†Invoice limits for the Early plan apply to both approving and sending invoices. Transactions initiated by app partners may automatically contribute to your invoice limit.
†† Payment fees apply to the use of online bill payments. The payment fees are in addition to your Xero monthly subscription amount, and are subject to change. All fees are in US dollars and exclude applicable taxes unless otherwise specified.
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.
Get one month free
Sign up to any Xero plan, and we will give you the first month free.