Toolkit ShelfUse this small business cash flow planner to check bank-balance runway, 30/60/90 day cash timing, tax reserve, receivables, payables, owner draw, and reserve gap.
Live planner
-$880 monthly net cash after draw and tax reserve.
Starting cash plus receivables, minus payables and one-time costs.
$24,880 modeled monthly outflow.
$149,280 target reserve.
Cash flow is not the same as accounting profit. Collections, payables, taxes, owner draws, one-time bills, seasonality, and payment timing can move the actual bank balance.
| Checkpoint | Estimated cash |
|---|---|
| Now, adjusted | $42,500 |
| After 30 days | $41,620 |
| After 60 days | $40,740 |
| After 90 days | $39,860 |
| Monthly tax reserve | $2,880 |
Planning comparison only. Check estimates, omitted costs, timing, and constraints before making an operating decision.
Small Business Cash Flow Planner estimates cash timing from starting cash, accounts receivable, accounts payable, owner draw, tax reserve, one-time costs, revenue, and expenses, then shows adjusted cash, monthly net cash, runway, 30/60/90 day cash, and six-month reserve gap.
Formula
Adjusted cash = starting cash + accounts receivable - accounts payable - one-time costs; monthly net cash = revenue - expenses - owner draw - tax reserveThis is a cash-timing planner, not an accounting profit statement.
How to use
Example
Calculator use
Before relying on it
Details
Sales are not the same as cash in the bank if customers pay later or bills are due sooner.
Owner draw can make a profitable business feel cash-tight when it is not included in planning.
Self-employed owners often need to reserve cash for estimated taxes instead of treating all revenue as spendable.
The 30, 60, and 90 day cash preview makes timing pressure visible before hiring, spending, borrowing, or taking a larger draw.
After checking cash timing, inspect payment terms, invoice process, runway, profit margin, and client profitability before changing spend.
Benchmarks
A broad planning signal that monthly revenue covers expenses, owner draw, and tax reserve.
If monthly net cash is negative, less than six months of runway deserves closer planning.
A broad operating reserve benchmark, not a rule for every business model.
Calculator accuracy
Adjusted cash = starting cash + accounts receivable - accounts payable - one-time costs; monthly net cash = revenue - expenses - owner draw - tax reserve
Starting cash, Monthly revenue, Monthly expenses, Owner draw, Tax reserve % of revenue, Accounts receivable, Accounts payable, One-time costs due soon
Business results depend on contracts, accounting treatment, taxes, payment timing, refunds, collections, and operating assumptions.
Catalog QA baseline on June 6, 2026. This date marks the catalog-wide automated and editorial QA baseline, not a tool-specific expert review.
Toolkit Shelf. Small Business Cash Flow Planner. https://toolkitshelf.com/tools/small-business-cash-flow-planner
FAQ
Start with bank cash, add expected collections, subtract payables and one-time costs, then compare monthly revenue with expenses, owner draw, and tax reserve.
No. Profit follows accounting rules, while cash flow tracks when money enters and leaves the bank account.
Receivables and payables change cash timing. A business can look profitable while still running short if customers pay late or bills come due first.
Owner draw and tax reserve are cash needs even when they are not ordinary operating expenses. Including them helps avoid spending money needed for personal income or quarterly tax payments.
No. It is a planning estimate. Taxes, payroll, debt, inventory, accounting treatment, legal requirements, and payment timing can change the real answer.
Leave passwords, account numbers, and private medical or tax information out of your report.