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Cash Flow Health Checker (Free Tool for Small Businesses)

Cash Flow Health Checker (Free Tool)

This free cash flow checker calculates your monthly net cash flow, estimates your cash runway (how long cash might last if you keep losing money), and provides short, practical next steps based on the numbers you enter.

Problems this tool helps solve

  • “I have sales but I’m still short on cash”
  • Not knowing if you can cover upcoming bills
  • Unclear how long cash will last during slow months
  • Late payments and unpaid invoices affecting cash

Benefits you’ll get

  • Net cash flow (monthly surplus or deficit)
  • Estimated runway (months) if you’re running a deficit
  • A simple health score and category
  • Action tips you can apply immediately
Enter your average monthly cash in.
Use actual cash received, not invoices sent.
Enter your average monthly cash out.
Include rent, payroll, subscriptions, supplies, loan payments, etc.
Enter your cash in bank.
Optional. Enter 0 if none.
Optional. Enter 0 if none.

Your cash flow results

Monthly net cash flow
—
Cash in minus cash out (monthly).
Estimated runway
—
If net cash flow is negative, runway estimates how long cash might last.
Cash flow health score
—
—

What this suggests (simple tips)

    Find help (optional)

    A bookkeeper or accountant can help improve cash flow tracking, receivables follow-up, and monthly reporting. Buttons open in a new tab.

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    Frequently Asked Questions

    Cash flow is the money coming into your business and the money leaving it over a period of time.

    Cash runway is an estimate of how many months your current cash could last if you keep losing money at the same monthly rate.

    Net cash flow is monthly cash in minus monthly cash out. A positive number means surplus; a negative number means deficit.

    Profit and cash are different. Late customer payments, large upfront bills, and inventory purchases can reduce cash even when profit is positive.

    No. This tool provides general calculations for planning only. A qualified professional can review your full situation and records.

    Disclaimer: This tool is for general information and planning only. Results are estimates based on the numbers you enter. It does not provide accounting, financial, legal, or tax advice. For decisions affecting your business, consult a qualified professional.

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