Business ROI Calculator
Compare ROI, payback, risk, and investment options.
Open toolOne Study decision-preparation calculator
Forecast cash flow, timing gaps, runway, and working-capital pressure.
Model cash in, cash out, payment timing, monthly runway, and working-capital pressure before an operating or funding review.
Calculator
Start with a simple net cash-flow estimate.
Use this quick form for a one-period net estimate, then use the forecast engine below for timing, runway, risk, and exportable monthly planning.
Cash Flow Forecast Engine
Build a month-by-month bank balance, runway, and timing-gap view.
Use this deeper section for scenario planning, payment terms, operating categories, risk prompts, and a downloadable forecast. It starts blank and keeps the calculation on this page only.
Reading the result
Follow when cash enters and leaves, not only the net total.
This estimate starts with a simple net result, then the deeper forecast shows monthly cash movement, ending balance, runway, breakeven timing, timing gaps, and risk prompts.
Before you act
Collection timing and unplanned obligations can change the runway quickly.
It does not guarantee funding, revenue collection, customer payment behavior, supplier timing, tax outcomes, or survival runway. Review the assumptions with real records before making financing or operating decisions.
FAQ
Questions this tool helps frame.
Why is cash flow different from profit?
Profit may include accounting treatment that does not match when cash actually enters or leaves the business.
Why does payment timing matter?
A business can look profitable while still running short on cash if suppliers, payroll, or inventory payments happen before customer collections.
When should I use this calculator?
Use it before a funding, inventory, operating-cost, runway, or owner-control conversation.
How does this connect to MomentumFinancial?
MomentumFinancial helps organize costs, working-capital pressure, timing gaps, funding readiness, and fit review context.
Working notes
Keep the formula with the assumptions.
- Net Cash Flow = Cash In - Cash OutAdd expected cash receipts, subtract expected cash payments, then review when those receipts and payments actually hit the bank balance.
- Update the result when the record changesSupplier terms, sales, stock, costs, timing, and channel deductions can change the result materially.
- Continue the operating reviewMomentumFinancial
- Check the connected numbersBusiness ROI Calculator, MOQ & Purchase-Order Cash Exposure Calculator, Open-to-Buy Calculator, Inventory Carrying Cost Calculator.
- Prepare the non-financial questionsFunding Readiness Assessment.
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