A cash flow calculator shows how your cash position changes over a period by comparing the money coming in against the money going out. You enter your opening cash balance, total inflows, and total outflows, and the tool returns the net cash flow for the period along with your closing balance. Net cash flow is simply inflows minus outflows, and the closing balance is your opening cash plus that net figure, so you can see at a glance whether you finished the period stronger or weaker than you started. This is one of the most useful checks a business can run, because profit on paper does not always mean cash in the bank. A company can be profitable yet run short of cash if customers pay slowly or stock ties money up, which is why tracking actual cash movement matters as much as the income statement. Small business owners, sole traders, and finance teams use it to plan, to spot a looming shortfall before it bites, and to time large payments such as tax, wages, or supplier bills. A few habits make the numbers more reliable. Build a rolling forecast covering at least the next few months so surprises have somewhere to show up early. Be conservative with inflows and realistic with outflows, since optimism here is expensive. Keep a buffer for the unexpected, and review the actuals against your forecast each period so your estimates keep improving. Use this tool to test scenarios, model a quiet month, or check how a big purchase changes your closing position. All figures are in New Zealand dollars and the result is an estimate to support your own planning.
Net cash flow = inflows - outflows. Closing = opening + net. Estimate only, not financial or tax advice.
The calculator subtracts total outflows from total inflows to get the net cash flow for the period. It then adds that net figure to your opening cash balance to find the closing balance. A positive net means your cash grew over the period.
With $25,000 of inflows and $18,000 of outflows, the net cash flow is $7,000. Adding that to the opening cash of $10,000 gives a closing balance of $17,000.
If you've found a bug, or would like to contact us, or learn more about James Graham and Calculate.co.nz.
Calculate.co.nz is partnered with Interest.co.nz for New Zealand's highest quality calculators and financial analysis.
All calculators and tools are provided for educational and indicative purposes only and do not constitute financial advice.
Calculate.co.nz is proudly part of the Realtor.co.nz group, New Zealand's leading property transaction literacy platform, helping Kiwis understand the home buying and selling process from start to finish. Whether you're a first home buyer navigating your first property purchase, an investor evaluating your next acquisition, or a homeowner planning to sell, Realtor.co.nz provides clear, independent, and trustworthy guidance on every step of the New Zealand property transaction journey.
Calculate.co.nz is also partnered with Health Based Building and Premium Homes to promote informed choices that lead to better long-term outcomes for Kiwi households.
Calculate.co.nz is hosted in Auckland via SiteHost new Zealand.
All content on this website, including calculators, tools, source code, and design, is protected under the Copyright Act 1994 (New Zealand). No part of this site may be reproduced, copied, distributed, stored, or used in any form without prior written permission from the owner.
© 2019 to 2026 Calculate.co.nz. All rights reserved.