Free — Instant 12-Month Projection

Cash Flow Forecast Calculator UK

Project your business cash position month by month for the next 12 months. Our free calculator accounts for debtor days, creditor days, seasonality and VAT payments — helping you spot potential cash shortfalls before they become a crisis.

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Poor cash flow management is cited as a primary cause in 82% of UK business failures — yet most businesses only discover a problem when they're already in crisis. This free cash flow forecast calculator gives you a 12-month forward view so you can act early.

The calculator uses a simple but effective model: Closing Balance = Opening Balance + Cash In − Cash Out, adjusted for the timing difference between when revenue is earned and when it is actually received (debtor days), and when costs are incurred versus paid (creditor days).

Cash Flow Forecast Calculator (12 Months)

Project your cash position over the next 12 months. Identify potential shortfalls before they become problems.

📐 Method: Closing Balance = Opening + Cash In − Cash Out. We account for debtor days (when you get paid), creditor days (when you pay suppliers), seasonality, and growth.

Wages, rent, materials, overheads

UK average: 30–45 days

When you pay suppliers

Month 12 Cash Position

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Monthly Cash Position

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⚠️ Disclaimer: This forecast is indicative and based on simplified assumptions. Consult your accountant for detailed forecasting.

Frequently Asked Questions

What is a cash flow forecast? ▼
A cash flow forecast predicts the movement of money in and out of your business over a future period — typically 12 months. Unlike a profit and loss forecast, it shows the timing of payments, which is critical because a profitable business can still run out of cash if customers pay slowly.
What are debtor days? ▼
Debtor days measure how long, on average, it takes your customers to pay you after invoicing. The UK average is around 32–45 days. High debtor days mean you're effectively financing your customers' operations. Our cost reduction consultancy often finds businesses losing thousands annually through slow payment collection.
How much cash reserve should a business hold? ▼
Most accountants recommend maintaining at least 3 months of operating expenses as a cash reserve. For seasonal businesses or those with long debtor terms, 4–6 months is advisable. Use this calculator to identify your lowest cash point across the year.
How can I improve my cash flow? ▼
The fastest improvements come from: invoicing immediately on job completion, tightening credit terms, taking deposits on larger jobs, and chasing overdue payments systematically. Our operational efficiency audit typically finds £5,000–£15,000 in recoverable cash flow improvements per client.

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