%GST Calculator Pro
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Cash Flow Calculator

Group your inflows and outflows into operating, investing and financing activities and see your net cash movement and closing balance instantly.

Cash movements for the period

Calculation slip

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Note: Results are for quick estimation and general information only, based on rates as commonly applicable in 2026. Always confirm figures with the official GST/Income Tax portals or a qualified professional before filing. See our full disclaimer.

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Why cash flow matters more than profit

Profitable businesses fail when cash runs out. A cash flow statement groups every rupee moved during a period into three activities — operating (the core business), investing (assets bought and sold) and financing (loans and owner's money) — and reconciles opening cash to closing cash.

Closing cash = Opening cash + Operating flow + Investing flow + Financing flow

Healthy patterns to look for

  • Positive operating flow — the business funds itself. This is the single most important line.
  • Negative investing flow is often good — you're buying assets to grow.
  • Relying on financing inflows to cover operating losses is the classic warning sign.

Frequently asked questions

What are the three activities in a cash flow statement?

Operating (day-to-day trading), investing (buying or selling assets and investments) and financing (loans, capital and drawings). Their sum is the net change in cash.

My business is profitable but always short of cash — why?

Common causes: customers paying late (money stuck in receivables), too much stock, or loan EMIs and drawings exceeding what operations generate. The three-way split shows exactly which.