Cash Flow Forecast Calculator UK
Forecast your cash position. Know if you'll have enough cash to cover bills, VAT, and slow-paying customers.
Your Cash Position
Business bank account balance today
Average monthly invoiced amount
Materials, wages, overhead, everything
Total owed by customers (unpaid invoices)
How long customers take to pay on average
Next quarterly VAT payment due
Cash Flow Forecast
Monthly Net Cash Flow
+£7000
£25000 in - £18000 out
Critical Cash Flow
Cash crisis imminent
Verdict
⚠️ POSITIVE BUT TIGHT
£15000 in bank + £7000/month positive cash flow. Cash reserves only cover 0.8 months of expenses.
Build cash buffer to 3+ months of expenses. Chase £12000 outstanding invoices aggressively.
90-Day Forecast
⚠️ Upcoming VAT Payment
Warning: VAT payment will leave you below monthly expenses
📅 Payment Terms
Shorter payment terms = better cash flow. 14 days net is better than 30 days. Offer 2% discount for payment within 7 days.
💰 Cash Buffer Rule
Keep 3-6 months of expenses in cash. Trade businesses are lumpy - you'll have quiet months. Cash buffer prevents panic.
🚨 Late Payment Law
UK law: you can charge 8% + Bank of England base rate on late B2B payments. Plus £40-£100 debt recovery fee.
💰 Turn Cash Flow Forecasts into Habits
This calculator shows you how tight things are. The next step is a simple weekly routine for checking cash in, cash out, and what's due.
Know today's position
List bank balance, expected receipts, and upcoming bills.
Spot shortfalls early
Flag weeks where cash goes negative so you can act in advance.
Review weekly
Make cash review a quick Monday task rather than a surprise.