Cash Flow Analysis Tool
Analyze your business cash inflows and outflows across Operating (CFO), Investing (CFI), and Financing (CFF) activities. Calculate net cash flow, burn rate, ending cash balance, and cash runway months free.
Cash Flow Statement Inputs
| Category | Inflow | Outflow | Net |
|---|---|---|---|
| Operating (CFO) | $45,000.00 | $28,000.00 | $17,000.00 |
| Investing (CFI) | $0.00 | $6,500.00 | $-6,500.00 |
| Financing (CFF) | $10,000.00 | $4,000.00 | $6,000.00 |
| Total Cash Flow | $55,000.00 | $38,500.00 | $16,500.00 |
Quick Answer: What is Cash Flow Analysis?
Cash Flow Analysis is the financial accounting process of tracking physical cash entering (inflows) and leaving (outflows) a business over a specified period. Total cash flow is calculated as Net Cash Flow = CFO + CFI + CFF across Operating, Investing, and Financing activities. Positive net cash flow builds reserves, while negative cash flow creates a burn rate that dictates company Cash Runway Months.
The Three Pillars of Cash Flow Accounting
Corporate balance sheets evaluate liquidity across three standardized cash flow statement categories:
- Operating Cash Flow (CFO): Cash generated or consumed by core business operations, including customer receipts, payroll, supplier invoices, and taxes.
- Investing Cash Flow (CFI): Cash spent on or generated from long-term assets and investments, including equipment purchases (CapEx), property, and marketable securities.
- Financing Cash Flow (CFF): Cash transactions involving debt and equity financing, including bank loan proceeds, investor equity raises, debt principal repayments, and shareholder dividend payouts.
Cash Flow Statement Category Comparison
Compare standard inflows and outflows across cash flow categories:
| Category | Primary Inflows (+) | Primary Outflows (-) | Target Indicator |
|---|---|---|---|
| Operating (CFO) | Client Sales Payments, Subscription Collections | Salaries, Rent, Marketing, Supplier Bills | Consistently Positive |
| Investing (CFI) | Sale of Used Machinery, Asset Divestments | CapEx Purchases, Property, Tech Infrastructure | Negative in Growth Phases |
| Financing (CFF) | Venture Equity Round, Bank Debt Loan Drawdown | Loan Principal Payments, Share Dividends | Strategic Debt Management |
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- Generate client invoices with Business Invoice Maker or forecast top-line sales using Business Revenue Calculator.
Frequently Asked Questions
Common questions and answers about the Cash Flow Analysis Tool.
What is the difference between CFO, CFI, and CFF cash flows?
CFO (Cash Flow from Operating Activities) covers day-to-day revenue receipts and operating expenses. CFI (Cash Flow from Investing Activities) tracks capital expenditure (CapEx) for equipment and asset sales. CFF (Cash Flow from Financing Activities) includes debt loans, investor equity, and dividend payments.
How is Cash Runway calculated?
Cash Runway (in months) is calculated by dividing your Beginning Cash Balance by your Monthly Net Cash Outflow (burn rate): Runway = Starting Cash / Monthly Net Burn. It estimates how long your business can operate before running out of funds.
Why is Cash Flow different from Net Income (Profit & Loss)?
Net Income includes non-cash items like depreciation, accounts receivable (uncollected invoices), and accounts payable. Cash Flow measures actual physical money entering and leaving your bank accounts.
Can I export my Cash Flow Statement as an image?
Yes! Click 'Download Statement PNG' to export a high-resolution summary scorecard of your cash flow statement ready for investor or team reviews.
Is my cash flow and bank data kept confidential?
Yes! All calculations run 100% locally inside your web browser. Confidential bank balances and cash figures are never stored or uploaded to external servers.