Cash Flow Statement Calculator
Build your cash flow statement live by automatically cataloging cash inflows and outflows.
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How to Use the Cash Flow Calculator
Formula: Net Cash Flow = Operating CF + Investing CF + Financing CF
Enter your Starting Cash Balance first. Then add cash transactions below. Answer the two simple non-technical questions to route each transaction automatically to its correct category.
Cash Transactions
Operating Cash Flow
$0.00
Investing Cash Flow
$0.00
Financing Cash Flow
$0.00
Net Change in Cash
$0.00
Ending Cash Balance
$0.00
Live Master Sheet
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What is a Cash Flow Statement?
A cash flow statement tracks the physical movement of cash in and out of a business during a specific timeframe. While an income statement can include non-cash ledger values (like accounts receivable or depreciation), the cash flow statement is strictly focused on **actual physical money**.
Physical cash flow is typically divided into three primary activities:
- Operating Activities: Cash used for or gained from daily operations, such as customer payments, utility bills, raw inventory purchases, and employee salaries.
- Investing Activities: Physical cash used for purchasing or selling long-term capital assets, such as office hardware, physical property, or machinery.
- Financing Activities: Cash exchanges between the company and its owners or lenders, including receiving a bank loan, issuing equity shares, or paying owner drawings.