How to use this calculator
- Enter opening cash, period inflows, matching period outflows.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Assumptions and limitations
Period-end totals conceal within-period shortfalls. No automatic borrowing, interest or tax assumptions.
Worked example
For the sample inputs shown above, cash-flow liquidity schedule produces a first result of approximately 600. The assumptions below explain what this result represents.
What the result means
Inspect when a business or household cash plan becomes negative, even if the final balance is positive.
Common questions
How is the calculation performed?
Closing cashₜ=opening cashₜ+inflowₜ−outflowₜ; required initial buffer=max(0,−minimum cumulative balance).
What does the model leave out?
Period-end totals conceal within-period shortfalls. No automatic borrowing, interest or tax assumptions.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.