Cash flow calculator

Use this calculator to determine if the money coming into your business (i.e. revenue and income) is enough to cover your financial obligations (i.e. payroll and other expenses) for a set period. For a business to be successful in the long term, it needs to generate profits while also being cash flow positive.

Unfortunately, this tool is not available in your region

Our Cash flow calculator is currently available for US residents only

Calculate payroll for your hourly employees with Wave.

What is cash flow?

Cash flow is the difference between your cash at the beginning of the period and your cash available at the end of the period. Put another way, it’s the movement of money in and out of your business.

Helpful tips

Your cash flow lies at the heart of your business. With proper cash flow management, you can minimize the possibility of a shortfall. Here are a few helpful tips:

  • Rather than just project your cash flow for an upcoming month, try to plan ahead for the year. This will help you anticipate slow periods so you can set aside enough cash to cover your expenses.
  • Getting paid on time – and in full – is key to managing your cash flow. See how you can get paid in as fast as 2 business days with a free Wave account.
  • One of the common mistakes made by new business owners is not keeping enough of a cash buffer on hand. To avoid this, try to maintain at least two months of operating expenses in your business savings account.
  • You can view automatic and up-to-date cash flow reports for your business by using Wave's free accounting software.
  • Check out our other accounting tools that can help you calculate sales tax, budget, burn rate, and more!

Frequently Asked Questions

Is your software actually free?

Yes! Our invoicing, accounting, and US-only banking software is 100% free—no trials, subscriptions, or hidden fees.

What’s the catch—how does Wave make money?

Wave makes money through our optional, paid money management products. Depending on your business needs, you can choose to pay for online payment processing, payroll, and 1:1 advisors. This allows our core software—invoicing, accounting, and business banking (currently only available to sole proprietors in the US)—to always be free.

Do I need to enter my credit card details to sign up?

Put your wallet away. You won’t need to enter a credit card unless you want to use our payroll service. Just create your account and get started for free.

Do I need to install any software?

Wave is 100% web-based, so you just need an Internet connection and browser. You can, however, download and install our mobile invoicing app for iOS and Android.

Is my data secure?

Completely. Our servers are protected physically and electronically. Any connection between you and Wave is protected by 256-bit SSL encryption. Wave is a PCI-DSS Level 1 Service Provider.

Do you provide customer support?

We provide different levels of support for customers who use different parts of Wave. Full details on how Wave support works are available here.

Manage your cash flow with 100% free accounting software.

Powerful accounting software that has everything you need to confidently run your business