The Agency Cash Flow Calculator estimates the net movement of cash and the ending cash balance for a selected period. It focuses on receipts and payments rather than accounting profit, making it useful when invoices are paid later than work is delivered or when large expenses occur before client collections.
Enter opening cash, expected client collections, other inflows, operating payments, and other outflows. The result shows closing cash, net cash flow, and the minimum extra cash needed if the projected balance falls below zero. Use realistic collection timing and payment dates rather than relying only on revenue and expense totals.
1. Choose a cash period
Use the actual expected timing of receipts and payments within one period.
2. Enter opening cash
Use the bank and cash balance available at the start.
3. Forecast inflows
Add client collections and any other cash receipts.
4. Forecast outflows
Enter operating payments and additional uses of cash.
5. Review the ending balance
A projected shortfall indicates the amount needed to avoid a negative balance.
Net cash flow = Client collections + Other inflows − Operating payments − Other outflows
Ending cash = Opening cash + Net cash flow
The calculation is timing-based. It does not automatically convert revenue into collections or expenses into payments, and it does not model day-by-day peaks and troughs within the period.
Projected ending cash is the amount expected to remain after all entered receipts and payments.
A positive period-end balance can still conceal an earlier intra-period cash shortage.
Given: Opening cash of $90,000, collections of $240,000, other inflows of $10,000, operating payments of $225,000, and other outflows of $20,000.
Calculation: Total inflows = $250,000. Total outflows = $245,000. Net cash flow = $5,000. Ending cash = $90,000 + $5,000 = $95,000.
Result: Projected ending cash is $95,000 with no period-end shortfall.
Invoices may be collected after revenue is earned, and bills may be paid before or after expenses are recognized.
Only include the amount reasonably expected to be received within the selected period.
Yes, if the agency begins the period overdrawn or with a cash deficit.
No. It only covers a negative projected ending balance; add a separate reserve to your planning target.
Run the calculator sequentially, using each month’s ending cash as the next month’s opening balance.