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Utility Empire
single-file tools · finance
finance business-cash-flow 100% offline · client-side

Business Cash Flow Calculator

A 12-month monthly cash-flow planner. Recurring line items for inflows and outflows apply every month; one-off items land once in the month you pick. Starting balance and an optional minimum balance (a floor you never want to dip below) frame the projection. All arithmetic happens in your browser.

● detector rack — cash-flow health

click a module for detail

Cash-flow inputs

$ · monthly figures
$

cash on hand before month 1

$

floor you must never dip below · 0 = none

recurring inflows

recurring outflows

one-off items

monthly events · negative amount = outflow in that month

updates live as you type

Projection

awaiting your numbers
12-month net flow —
—
total inflows − total outflows across the year
lowest position —
—
cumulative minimum closing balance
highest position —
—
cumulative maximum closing balance
closing · dec —
—
starting balance + 12-month net

12-month projection

below min overdrawn
month opening inflow outflow net closing