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
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
Pay your bills at no extra cost
Free standard ACH bill payments are now included in Xero business plans.*
Early
for the first 6 months
Then $25 per month
An easy financial foundation - track cash flow with the essentials.
- Send quotes and 20 invoices†
- Accept online invoice payments^
- 5 bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with basic graphs
- 30 day cash flow forecast
- Make online bill payments†† (Free ACH)
Growing
for the first 6 months
Then $55 per month
Go beyond the basics - automate tasks and access performance dashboards.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with graphs
- 60 day cash flow forecast
- Make online bill payments†† (Free ACH)
- Customize performance dashboards
- Tailored financial health scorecards
Forecast with clarity
Forecast with clarity
Established
for the first 6 months
Then $90 per month
Future proof your scaling business - with advanced tools and analytics.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Auto-reconcile bank transactions (Beta)
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with graphs
- 180 day cash flow forecast
- Make online bill payments†† (Free ACH)
- Customize performance dashboards
- Tailored financial health scorecards
- Analyze KPIs and ratios
- Use multiple currencies
- Track time and costs for projects
- Employee expense and mileage claims
- 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.
Get one month free
Sign up to any Xero plan, and we will give you the first month free.
*Fees apply for other payment methods.