Cash Flow Calculator | Mehmi Financial Group

Cash Flow Calculator

Analyze your business cash flow, project future needs, and ensure you have the liquidity to operate smoothly.

Monthly Cash Flow Analysis

Enter your monthly cash inflows and outflows to calculate net cash flow. Understand where your money comes from and where it goes.

Net Monthly Cash Flow
$0
Enter your cash flows
Cash Inflows
Cash Outflows

Cash Flow Summary

Total Cash Inflows$102,000
Total Cash Outflows$88,000
Net Cash Flow$14,000

Key Ratios

1.16x
Cash Ratio
14%
Cash Margin
27%
Payroll %
5%
Debt Service %

Cash Ratio: Inflows ÷ Outflows. Above 1.0 means positive cash flow.

Cash Margin: Net cash flow ÷ inflows. Higher is better — aim for 10%+.

Timing Matters: Cash flow tracks actual cash movement, not accrual accounting.

Speed Up Collections: Invoice immediately, offer early payment discounts.

Delay Payments: Negotiate longer payment terms with suppliers.

Reduce Inventory: Optimize stock levels to free up cash.

*All amounts in Canadian dollars. Estimates only—this is not a financing offer or approval. Taxes (GST/PST/HST) NOT included.

Use this cash flow calculator to estimate how much cash your business generates each month, forecast your cash balance for the next 12 months, and estimate how long your current cash reserves may last. This page is designed for planning working capital, seasonal swings, and growth-related expenses.

What you can calculate

  • Monthly inflows and outflows to estimate net cash flow
  • Cash ratio and cash margin to spot early warning signals
  • A 12-month cash projection with growth assumptions and a one-time capital purchase
  • Cash runway based on burn rate, revenue, and revenue growth

FAQs

Everything you need to know about how this calculator works, what the results mean, and what is included. If you need a quote or help reviewing your numbers, feel free to contact our credit analysts.
Get in touch
What is the difference between cash flow and profit?
Profit includes non-cash items and accounting timing. Cash flow tracks actual cash moving in and out of the bank.
What is a healthy cash ratio?
A cash ratio above 1.0 means inflows exceed outflows. Many businesses aim for a buffer above 1.10 depending on volatility.
What is cash runway?
Cash runway estimates how long your cash reserves may last if your net burn continues, adjusting for revenue growth if you enter it.
How should I estimate accounts receivable collections?
Use what you realistically collect this month, not what you invoiced. If customers pay late, collections are often lower than sales.
How do I plan for a large equipment purchase or expansion?
Use the 12-month projection and include the capital purchase amount so you can see the impact on ending cash and minimum cash.
Is this calculator advice?
No. It is a planning tool and is not accounting, tax, or legal advice. Verify assumptions with your accountant.

Disclaimer:
This Truck & Heavy Equipment Financing Calculator is provided for informational purposes only. It offers estimates based on the information provided and current average rates, which may vary depending on individual creditworthiness, lender policies, market conditions, and other factors. This calculator does not constitute a loan offer, lease offer, or approval from Mehmi Financial Group or its affiliates. Please contact Mehmi Financial Group directly to confirm current rates, terms, and actual financing availability. Mehmi Financial Group accepts no liability for decisions made using this calculator.

Let Us Help Your Business Achieve Global Success

Get Free Quote
Right Arrow
Contact Us
Right Arrow