Cash Flow Calculator
body {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
line-height: 1.6;
margin: 0;
padding: 0;
background-color: #f4f7f6;
color: #333;
}
.loan-calc-container {
max-width: 800px;
margin: 30px auto;
padding: 30px;
background-color: #ffffff;
border-radius: 8px;
box-shadow: 0 4px 15px rgba(0, 0, 0, 0.1);
}
h1, h2 {
color: #004a99;
text-align: center;
margin-bottom: 25px;
}
.input-section, .result-section {
margin-bottom: 30px;
padding: 20px;
border: 1px solid #e0e0e0;
border-radius: 6px;
background-color: #fdfdfd;
}
.input-group {
margin-bottom: 20px;
display: flex;
flex-wrap: wrap;
align-items: center;
}
.input-group label {
flex: 1 1 200px;
margin-right: 15px;
font-weight: 600;
color: #004a99;
}
.input-group input[type="number"],
.input-group input[type="text"] {
flex: 1 1 150px;
padding: 10px 12px;
border: 1px solid #ccc;
border-radius: 4px;
font-size: 1rem;
box-sizing: border-box; /* Ensures padding and border are included in the element's total width and height */
}
.input-group input[type="number"]:focus,
.input-group input[type="text"]:focus {
border-color: #004a99;
outline: none;
box-shadow: 0 0 0 3px rgba(0, 74, 153, 0.2);
}
button {
display: block;
width: 100%;
padding: 12px 20px;
background-color: #004a99;
color: white;
border: none;
border-radius: 4px;
font-size: 1.1rem;
cursor: pointer;
transition: background-color 0.3s ease;
}
button:hover {
background-color: #003366;
}
#result {
text-align: center;
padding: 20px;
margin-top: 20px;
background-color: #e8f5e9; /* Light green background for success */
border: 1px solid #28a745;
border-radius: 6px;
font-size: 1.5rem;
font-weight: bold;
color: #28a745;
}
#result.negative {
background-color: #ffebee; /* Light red for negative */
border-color: #dc3545;
color: #dc3545;
}
.explanation-section {
margin-top: 40px;
padding: 25px;
background-color: #eef2f5;
border-radius: 8px;
border: 1px solid #dce0e3;
}
.explanation-section h2 {
margin-bottom: 15px;
color: #004a99;
}
.explanation-section p, .explanation-section ul {
margin-bottom: 15px;
}
.explanation-section ul {
padding-left: 20px;
}
.explanation-section li {
margin-bottom: 8px;
}
.explanation-section strong {
color: #004a99;
}
/* Responsive adjustments */
@media (max-width: 600px) {
.input-group {
flex-direction: column;
align-items: stretch;
}
.input-group label {
margin-right: 0;
margin-bottom: 8px;
}
.input-group input[type="number"],
.input-group input[type="text"] {
width: 100%;
margin-top: 5px;
}
.loan-calc-container {
margin: 15px;
padding: 20px;
}
h1 {
font-size: 1.8rem;
}
#result {
font-size: 1.3rem;
}
}
Business Cash Flow Calculator
Calculate Net Cash Flow
Understanding Cash Flow
Cash flow is a critical metric for any business, representing the net amount of cash and cash equivalents being transferred into and out of a business. Positive cash flow indicates that a business has enough cash to cover its expenses and potentially invest in growth. Negative cash flow means expenses are exceeding income, which can lead to financial difficulties if not addressed.
This calculator helps you estimate your business's net cash flow over a specific period (e.g., a month or quarter) by summing up all your income sources and subtracting your total operating expenses.
How it's Calculated:
The formula used is straightforward:
Net Cash Flow = (Total Income) – (Total Operating Expenses)
Where:
Total Income = Sales Revenue + Service Fees + Other IncomeTotal Operating Expenses = COGS + Rent/Mortgage + Utilities + Salaries & Wages + Marketing & Advertising + Other Operating Expenses
Why Cash Flow Matters:
Solvency: Ensures a business can meet its short-term obligations like payroll and supplier payments.Growth Opportunities: Positive cash flow provides the capital needed for expansion, new equipment, or research and development.Investor Confidence: Healthy cash flow is attractive to investors and lenders, making it easier to secure funding.Financial Health Indicator: It's a real-time snapshot of a business's financial liquidity and operational efficiency.
Example Calculation:
Let's consider a small business with the following figures for a month:
Sales Revenue: $65,000
Service Fees: $4,500
Other Income: $500
Cost of Goods Sold (COGS): $28,000
Rent/Mortgage: $3,000
Utilities: $650
Salaries & Wages: $18,000
Marketing & Advertising: $1,200
Other Operating Expenses: $750
Calculation:
Total Income = $65,000 + $4,500 + $500 = $70,000
Total Operating Expenses = $28,000 + $3,000 + $650 + $18,000 + $1,200 + $750 = $51,600
Net Cash Flow = $70,000 – $51,600 = $18,400
In this example, the business has a positive net cash flow of $18,400, indicating strong operational performance and financial health for the period.
function calculateCashFlow() {
var salesRevenue = parseFloat(document.getElementById("salesRevenue").value) || 0;
var serviceFees = parseFloat(document.getElementById("serviceFees").value) || 0;
var otherIncome = parseFloat(document.getElementById("otherIncome").value) || 0;
var costOfGoodsSold = parseFloat(document.getElementById("costOfGoodsSold").value) || 0;
var rentExpense = parseFloat(document.getElementById("rentExpense").value) || 0;
var utilitiesExpense = parseFloat(document.getElementById("utilitiesExpense").value) || 0;
var salariesExpense = parseFloat(document.getElementById("salariesExpense").value) || 0;
var marketingExpense = parseFloat(document.getElementById("marketingExpense").value) || 0;
var otherExpenses = parseFloat(document.getElementById("otherExpenses").value) || 0;
var totalIncome = salesRevenue + serviceFees + otherIncome;
var totalExpenses = costOfGoodsSold + rentExpense + utilitiesExpense + salariesExpense + marketingExpense + otherExpenses;
var netCashFlow = totalIncome – totalExpenses;
var resultDiv = document.getElementById("result");
var formattedNetCashFlow = netCashFlow.toLocaleString('en-US', { style: 'currency', currency: 'USD' });
if (netCashFlow >= 0) {
resultDiv.textContent = "Net Cash Flow: " + formattedNetCashFlow;
resultDiv.className = ""; // Reset class
} else {
resultDiv.textContent = "Net Cash Flow: " + formattedNetCashFlow;
resultDiv.className = "negative"; // Apply negative class for styling
}
}