{"id":29575,"date":"2024-02-07T14:59:42","date_gmt":"2024-02-07T14:59:42","guid":{"rendered":"https:\/\/swoopfunding.com\/ca\/cash-flow-calculator\/"},"modified":"2026-03-10T09:57:46","modified_gmt":"2026-03-10T09:57:46","slug":"cash-flow-calculator","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/ca\/business-loan-calculator\/cash-flow-calculator\/","title":{"rendered":"Cash flow calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"29575\" class=\"elementor elementor-29575\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9c118b e-flex e-con-boxed e-con e-parent\" data-id=\"b9c118b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09e2807 elementor-widget elementor-widget-template\" data-id=\"09e2807\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"40824\" class=\"elementor elementor-40824\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cb78f9a e-flex e-con-boxed e-con e-parent\" data-id=\"7cb78f9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2ddc5409 e-con-full e-flex e-con e-child\" data-id=\"2ddc5409\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-494fc3a1 elementor-widget elementor-widget-heading\" data-id=\"494fc3a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Cash flow calculator<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dc26726 elementor-widget elementor-widget-text-editor\" data-id=\"5dc26726\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tOur cash flow calculator can be used to estimate the amount of money coming in and going out of a business over a specific period. It typically takes into account income sources, expenses, investments, loans, and other financial transactions to determine the net cash flow.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53a33df elementor-widget__width-inherit elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"53a33df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n\n\n\n\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"53aa8807dec7e10d38f59f32\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"95px\" data-style-width=\"160px\" data-theme=\"light\" data-token=\"75678bf0-071e-4356-8a6b-93beb5a68f32\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24aed85c elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"24aed85c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"Cash flow calculator\",\n          \"image\": [\"https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator.jpg\"],\n          \"datePublished\": \"2024-02-07T14:59:42+00:00\",\n          \"dateModified\": \"2026-03-10T09:57:46+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Ian Hawkins\",\n              \"url\": \"https:\/\/swoopfunding.com\/ca\/author\/ian-hawkins\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/author\/ian-hawkins\/\" aria-label=\"Ian Hawkins\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp?is-pending-load=1\" alt=\"Ian Hawkins\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/ca\/author\/ian-hawkins\/\">Ian Hawkins<\/a>. <span>Last reviewed on March 10, 2026<\/span>. <span>Next review due April 1, 2027.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Ian Hawkins<\/div>\n <div class=\"role-user\">Head of Content<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed25914 elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"ed25914\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3be5c62d e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"3be5c62d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dffd8a2 elementor-widget elementor-widget-image\" data-id=\"7dffd8a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"682\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-1024x682.jpg\" class=\"attachment-large size-large wp-image-40823\" alt=\"\" srcset=\"https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-1024x682.jpg 1024w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-300x200.jpg 300w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-768x512.jpg 768w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-30x20.jpg 30w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-80x53.jpg 80w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a2df328 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2df328\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0de743c\" data-id=\"0de743c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7f89b0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f89b0d\" data-element_type=\"section\" data-e-type=\"section\" id=\"calculator\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-63e224a\" data-id=\"63e224a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b73e23 elementor-widget elementor-widget-ucaddon_cash_flow_calculator\" data-id=\"6b73e23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_cash_flow_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n<div class=\"form-calculator\" >\n <div class=\"left_column\">\n\n <div id=\"step1\">\n <p class=\"title\">Step 1: fill in cash inflows<\/p>\n <form id=\"cashInflowsForm\">\n <div class=\"form-group\">\n <label for=\"startCash\">Total cash at the beginning of period<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"startCash\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"receivedFromCustomers\">Operations total received from customers<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"receivedFromCustomers\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"otherCashReceipts\">Other cash receipts<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"otherCashReceipts\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"salesOfProperty\">Sales of property<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"salesOfProperty\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"saleOfInvestments\">Sale of investments<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"saleOfInvestments\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"otherActivity\">Other activity<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"otherActivity\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"newBorrowing\">New borrowing<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"newBorrowing\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"stockIssuing\">Stock issuing<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"stockIssuing\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"capitalContributions\">Capital contributions<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"capitalContributions\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <button type=\"button\" class=\"btn btn-primary\" id=\"nextStepBtn\">Next step<\/button>\n <\/form>\n <\/div>\n\n <div id=\"step2\" style=\"display: none;\">\n <p class=\"title\">Step 2: fill in cash outflows<\/p>\n <form id=\"cashOutflowsForm\">\n <div class=\"form-group\">\n <label for=\"inventory\">Inventory<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"inventory\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"insurance\">Insurance<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"insurance\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"rentAndLease\">Rent and lease<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"rentAndLease\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"advertising\">Advertising<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"advertising\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"payroll\">Payroll<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"payroll\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"otherPayments\">Other payments<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"otherPayments\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"interestPaid\">Interest paid<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"interestPaid\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"capitalExpenditures\">Capital expenditures<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"capitalExpenditures\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"purchases\">Purchases<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"purchases\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"loanRepayments\">Loan repayments<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"loanRepayments\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"dividendsPaid\">Dividends paid<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"dividendsPaid\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"otherPaidCashItems\">Other paid cash items<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" class=\"form-control mask-money\" id=\"otherPaidCashItems\" value=\"0\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <button type=\"button\" class=\"btn btn-primary\" id=\"restartBtn\">Restart<\/button>\n <\/form>\n <\/div>\n\n <p class=\"note-calculator mt-4\">This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.<\/p>\n\n <\/div>\n <div class=\"right_column\">\n <p class=\"title\">Your results<\/p>\n\n <p class=\"title-result\">Total cash at the beginning of period<\/p>\n <p class=\"number-result\">$<span id=\"resultStartCash\">0<\/span><\/p>\n <p class=\"title-result\">Total cash in<\/p>\n <p class=\"number-result\">$<span id=\"resultTotalInflows\">0<\/span><\/p>\n <p class=\"title-result\">Total cash out<\/p>\n <p class=\"number-result\">$<span id=\"resultTotalOutflows\">0<\/span><\/p>\n <p class=\"title-result\">Cashflow<\/p>\n <p class=\"number-result\">$<span id=\"resultCashflow\">0<\/span><\/p>\n <p class=\"title-result\">Cash at the end of period<\/p>\n <p class=\"number-result\">$<span id=\"resultEndCash\">0<\/span><\/p>\n\n <a href=\"https:\/\/app.swoopfunding.ca\/stage\/\" class=\"btn btn-lg btn-dark btn-block\" target=\"_blank\" rel=\"noopener\">Get a quote<\/a>\n\n <\/div>\n<\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-c05a725 e-flex e-con-boxed e-con e-parent\" data-id=\"c05a725\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9da9a2b elementor-widget elementor-widget-heading\" data-id=\"9da9a2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the cash flow calculator?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3beda94 elementor-widget elementor-widget-text-editor\" data-id=\"3beda94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Swoop&#8217;s cash flow calculator is a tool designed to help businesses measure and analyze their cash inflows and outflows over a specific period. This tool provides a clear picture of your financial health, helping you to plan and make informed decisions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9e07615 e-flex e-con-boxed e-con e-parent\" data-id=\"9e07615\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1633597 elementor-widget elementor-widget-heading\" data-id=\"1633597\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does the cash flow calculator work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e63dbe elementor-widget elementor-widget-text-editor\" data-id=\"7e63dbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The cash flow calculator works by inputting your financial data, such as income, expenses, investments, and liabilities. It then processes this information to provide an overview of your cash flow situation, showing whether your business is generating enough cash to cover its expenses and grow.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d88266f e-flex e-con-boxed e-con e-parent\" data-id=\"d88266f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25bdbc4 elementor-widget elementor-widget-heading\" data-id=\"25bdbc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a cash flow calculator used for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60236f3 elementor-widget elementor-widget-text-editor\" data-id=\"60236f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A cash flow calculator can be used to:<\/p><ul><li>Track your business\u2019s cash inflows and outflows.<\/li><li>Identify trends in your cash flow.<\/li><li>Forecast future cash flow to make strategic decisions.<\/li><li>Plan for potential shortfalls or surpluses.<\/li><li>Ensure your business maintains a healthy financial status.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3edc950 e-flex e-con-boxed e-con e-parent\" data-id=\"3edc950\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1fd3a8 elementor-widget elementor-widget-heading\" data-id=\"a1fd3a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why is calculating cash flow important?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33c3735 elementor-widget elementor-widget-text-editor\" data-id=\"33c3735\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A cash flow calculator can assist you in a few fundamental things. It is crucial because it:<\/p><ul><li>Helps manage your day-to-day operations.<\/li><li>Ensures you have enough cash to meet your obligations.<\/li><li>Enables you to make informed investment decisions.<\/li><li>Provides insights into the financial health and performance of your business.<\/li><li>Helps you avoid <a href=\"https:\/\/swoopfunding.com\/ca\/business-glossary\/liquidity\/\">liquidity<\/a> issues and potential insolvency.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-efab879 e-flex e-con-boxed e-con e-parent\" data-id=\"efab879\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da8c624 elementor-widget elementor-widget-heading\" data-id=\"da8c624\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to calculate cash flow<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8bb11d elementor-widget elementor-widget-text-editor\" data-id=\"d8bb11d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To use our cash flow calculator, you would input the following information:<\/p><ol><li><p><strong>Income<\/strong>: Include all sources of income, such as sales revenue, rental income, interest earned, etc.<\/p><\/li><li><p><strong>Expenses<\/strong>: List all expenses, including operating expenses (such as rent, utilities, salaries), taxes, loan payments, etc.<\/p><\/li><li><p><strong>Investments<\/strong>: If applicable, include any investments or capital expenditures made during the period.<\/p><\/li><li><p><strong>Loans and Financing<\/strong>: Enter any loan payments or financing activities, including both principal and interest payments.<\/p><\/li><\/ol><p>Once you&#8217;ve entered this information, the cash flow calculator will calculate the net cash flow for the period, showing whether there&#8217;s a surplus or deficit of cash. This can help businesses and individuals plan for future expenses, manage liquidity, and make informed financial decisions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e5f2bb e-flex e-con-boxed e-con e-parent\" data-id=\"7e5f2bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-642fc02 elementor-widget elementor-widget-heading\" data-id=\"642fc02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How can you boost your cash flow?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56ed0a9 elementor-widget elementor-widget-text-editor\" data-id=\"56ed0a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-grow flex-col max-w-full\"><div class=\"min-h-[20px] text-message flex flex-col items-start whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 juice:w-full juice:items-end overflow-x-auto gap-2\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"5a5875ab-f5bd-4450-a20f-42bb45a815b5\"><div class=\"flex w-full flex-col gap-1 juice:empty:hidden juice:first:pt-[3px]\"><div class=\"markdown prose w-full break-words dark:prose-invert dark\"><p>Boosting your business\u2019s cash flow is essential for maintaining a healthy financial status and ensuring smooth operations. Here are some steps to help you improve your cash flow:<\/p><h4>Negotiate quicker payment terms<\/h4><p>Ensuring your clients pay on time is crucial, especially after a big sale. Late payments can lead to a negative cash flow shortage as your accounts receivables grow. To avoid this, negotiate with your clients to move the payment deadline forward. You might also ask for a partial deposit upfront to get cash immediately.<\/p><p>If a client is late with a payment, chase it immediately. Consider investing in invoice management and accounting software that sends automatic payment reminders and keeps track of payments. Some software even accepts electronic payments.<\/p><h4>Create customer incentives and penalties<\/h4><p>Encourage clients to pay early by offering discounts. For example, offer a 2% discount if they pay within the first 10 days and 1% if they pay within 11 to 20 days. You could also offer discounts on future orders or gift certificates.<\/p><p>Charging fees for late payments is another option. However, clearly highlight these fees when drawing up the initial client contract and again when invoicing. Explain the fee amount and when it will apply.<\/p><h4>Check your accounts payable terms<\/h4><p>While speeding up the process of receiving payments, try to slow down making payments. When a bill arrives, read the terms to see how long you can wait before paying to reduce the risk of a cash shortage. There\u2019s no harm in negotiating with your vendors for longer payment terms in return for your business.<\/p><h4>Reduce unnecessary spending<\/h4><p>Like personal finances, businesses should review their expenditure to find cutbacks and savings. For instance, if you&#8217;re covering expensive mobile phone bills for employees, see if you can switch to a better deal and save money.<\/p><p>Conduct an inventory check to list products that aren\u2019t selling well. Instead of buying more, get rid of them, even at a discount. Products that don\u2019t sell well tie up cash and hurt your cash flow.<\/p><h4>Lease equipment instead of buying<\/h4><p>Consider leasing equipment instead of worrying about high upfront costs. Leasing allows you to pay a fixed monthly fee, enabling smaller payments that don\u2019t deplete your cash reserves. Be sure to check the lease terms carefully.<\/p><h4>Study your cash flow patterns<\/h4><p>A cash flow analysis helps prepare for positive or negative cash flow swings. Analysing your business history helps spot trends and patterns, allowing you to prepare for future swings ahead of time.<\/p><h4>Create and maintain a cash flow forecast<\/h4><p>Accurate cash flow forecasting is important for all businesses. It helps determine if you\u2019re going to run out of money and allows you to plan ahead. It might help you assess whether you need to reduce overheads or find new investment.<\/p><p>A good cash flow forecast shows your business\u2019s income and outgoings for a set period, whether a few weeks or several months. To do this, you\u2019ll need to:<\/p><ul><li>Collate all the cash coming into the business.<\/li><li>List all your planned expense payments.<\/li><li>Calculate the net cash balance.<\/li><\/ul><p>These steps help predict when your cash flow might be positive or negative, allowing you to act accordingly. Positive cash flow for several months might indicate a good time to expand or invest. Negative cash flow for a while means taking steps to ensure sufficient cash to cover your bills.<\/p><p>If your business has been running for several years, use sales data from previous years to guide your estimates.<\/p><h4>Consider invoice finance<\/h4><p>Invoice finance can improve cash flow by borrowing money using your unpaid invoices. If you\u2019ve issued invoices to clients but haven\u2019t been paid, invoice finance lets you access that cash early.<\/p><p>The lender uses unpaid invoices as security for funding, typically advancing 75% to 95% of the invoice value upfront. The lender collects payment for the invoices directly from your customers, deducts a fee, and pays you the remaining balance.<\/p><p>This can be beneficial if you have high-value invoices that could affect cash flow if unpaid.<\/p><p>Boosting your business\u2019s cash flow involves a combination of strategies, from negotiating terms to using financial tools. Implement these steps to ensure a steady and healthy cash flow for your business.<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0ecea2d e-flex e-con-boxed e-con e-parent\" data-id=\"0ecea2d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c24470 elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"8c24470\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n\n <div class=\"container-auto-page-related\">\n <p class=\"title-related text-center\">All calculators<\/p>\n <div class=\"auto-page-related\">\n <ul>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/ca\/business-loan-calculator\/adr-calculator\/\">ADR 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data-template-id=\"5419b732fbfb950b10de65e5\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"24px\" data-style-width=\"100%\" data-theme=\"dark\" data-token=\"6307e816-53aa-4589-828c-b174e8417264\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n <\/div>\n \n<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Our cash flow calculator can be used to estimate the amount of money coming in and going out of a business over a specific period. It typically takes into account income sources, expenses, investments, loans, and other financial transactions to determine the net cash flow.<\/p>\n","protected":false},"author":43,"featured_media":29943,"parent":17791,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-29575","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator.jpg",1280,853,false],"thumbnail":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator-150x150.jpg",150,150,true],"medium":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator-300x200.jpg",300,200,true],"medium_large":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator-768x512.jpg",768,512,true],"large":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator-1024x682.jpg",1024,682,true],"1536x1536":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator.jpg",1280,853,false],"2048x2048":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator.jpg",1280,853,false],"image_blog":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator-408x252.jpg",408,252,true],"image_blog_full":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator-1280x660.jpg",1280,660,true],"image_podcast":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator-397x298.jpg",397,298,true],"image_banking":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator-30x20.jpg",30,20,true],"image_blog_internal":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator-840x480.jpg",840,480,true],"image_blog_medium":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator-1024x500.jpg",1024,500,true],"image_single_banking":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/03\/image-calculator-80x53.jpg",80,53,true]},"post_excerpt_stackable_v2":"<p>Our cash flow calculator can be used to estimate the amount of money coming in and going out of a business over a specific period. It typically takes into account income sources, expenses, investments, loans, and other financial transactions to determine the net cash flow.<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Ian Hawkins","url":"https:\/\/swoopfunding.com\/ca\/author\/ian-hawkins\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/29575","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/users\/43"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/comments?post=29575"}],"version-history":[{"count":31,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/29575\/revisions"}],"predecessor-version":[{"id":40890,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/29575\/revisions\/40890"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/17791"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/media\/29943"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/media?parent=29575"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}