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82% of business failures cite cash flow — not profits — as the cause

Free 90-Day Cash Flow Forecast Tool

Enter your cash balance, revenue, and expenses. Get your burn rate, cash runway, projected cash-out date, and a full 90-day forecast — in under 2 minutes.

Formulas used by CFOs & lendersNo sign-up required100% free
Build My 90-Day Forecast

How the 90-Day Cash Flow Forecast Is Calculated

Every formula is based on standard corporate finance methodology used by CFOs, the SBA, and professional lenders. No black boxes — every number is explained.

Net Cash Flow

Total Inflows − Total Outflows

$80,000 − $110,000 = −$30,000

Ending Cash Balance

Opening Cash + Net Cash Flow

$250,000 + (−$30,000) = $220,000

Burn Rate

Monthly Outflows − Monthly Inflows

$110,000 − $80,000 = $30,000/mo

Cash Runway

Current Cash ÷ Monthly Burn Rate

$250,000 ÷ $30,000 = 8.3 months

Build Your 90-Day Cash Flow Forecast

Fill in your current cash and your three months of expected revenues and expenses. The tool calculates your net cash flow, ending balance, burn rate, and runway.

$

Total cash across all business bank accounts right now

$

Get alerted when projected cash falls below this level (e.g. 1 month of expenses)

Using your exact numbers as entered.

Month 1: May 2026

$

Cash actually expected to arrive in your bank this month

$
$
$
$
$
$

Software, insurance, utilities, marketing

Month 2: June 2026

$

Cash actually expected to arrive in your bank this month

$
$
$
$
$
$

Software, insurance, utilities, marketing

Month 3: July 2026

$

Cash actually expected to arrive in your bank this month

$
$
$
$
$
$

Software, insurance, utilities, marketing

Formulas: Net Cash Flow = Inflows − Outflows · Burn Rate = Avg Monthly Outflows − Avg Monthly Inflows · Runway = Cash ÷ Burn Rate

📊

Your 90-day forecast will appear here

Fill in your numbers on the left and click Generate Forecast.

💰Burn rate & runway
📅Projected cash-out date
📉Lowest cash point
🚨Cash gap alerts
📈Visual cash balance chart
🎯3-scenario planning

Worked Example: 90-Day Cash Flow Forecast Calculation

A real-world example using the formulas above. Use these numbers to verify the tool and understand how each metric is derived.

Company profile: Tech Services SMB — $250,000 current cash

Revenue: $80,000/month · Total expenses: $110,000/month · Burn rate: $30,000/month

MonthOpening CashInflowsOutflowsNet FlowEnding Cash
Month 1$250,000$80,000$110,000$30,000$220,000
Month 2$220,000$80,000$110,000$30,000$190,000
Month 3$190,000$80,000$110,000$30,000$160,000
90-Day Summary$250,000$240,000$330,000−$90,000$160,000

Burn Rate

$30,000/month

$110,000 − $80,000

Cash Runway

8.3 months

$250,000 ÷ $30,000

Projected Cash-Out

~Feb 12, 2027

8.3 months from today

90-Day Cash Flow Forecast Tools Compared

How InvoiceFollowUps.com stacks up against Float, Pulse, Dryrun, QuickBooks, and Xero for cash flow forecasting.

ToolFreeForecast PeriodScenariosBurn RateRunwayAlertsBest For
InvoiceFollowUps.comYou are hereFull free tool90-day / monthlySMBs, startups, CFOs
Float14-day trial13-week / dailyMid-market finance teams
Pulse30-day trialMonthlySmall businesses
Dryrun14-day trial90-day / weeklyAccountants, advisors
QuickBooks PlannerIncluded in QB90-dayExisting QB users
Xero ForecastIncluded in XeroMonthlyExisting Xero users

Table based on publicly available feature pages as of May 2025. Features may change; verify with each provider.

What Is a 90-Day Cash Flow Forecast — and Why Every Business Needs One

A 90-day cash flow forecast is a financial model that shows exactly how much cash your business will have at the end of each week or month over the next three months. Unlike a profit and loss statement — which shows revenue minus expenses on an accrual basis — a cash flow forecast shows actual dollars in your bank account on specific future dates.

According to a U.S. Bank study, 82% of small business failures are caused by poor cash flow management — not by a lack of profitability. A business can report strong profits on its P&L and still miss payroll next Tuesday. Cash flow forecasting eliminates that blindspot.

The 90-day horizon — also called a rolling 90-day forecast or 13-week cash flow forecast when done weekly — is the standard timeframe recommended by the SBA, financial advisors, and lenders for operational liquidity planning. It's long enough to reveal seasonal gaps and short enough to be meaningfully accurate.

13-Week vs. 90-Day Cash Flow Forecast: Which Should You Use?

A 13-week cash flow forecast and a 90-day forecast cover the same period — the difference is granularity. A 13-week forecast shows weekly cash positions (used by CFOs, lenders, and companies in financial distress). A monthly 90-day forecast is better for healthy growing businesses doing strategic planning.

13-Week (Weekly) — Choose if:

  • • Cash is tight (<3 months runway)
  • • A lender or investor requires it
  • • You're managing covenant compliance
  • • Revenue is lumpy or project-based

90-Day Monthly — Choose if:

  • • Cash is stable (>6 months runway)
  • • Revenue is recurring and predictable
  • • You're planning a hire or capex
  • • You want a quick, maintainable forecast

Burn Rate Calculator: What It Means and How to Reduce It

Burn rate is the net amount of cash your business consumes each month. The formula is straightforward:

Burn Rate = Monthly Cash Outflows − Monthly Cash Inflows

A burn rate of $30,000/month means your business needs $30,000 more than it's bringing in each month. To reduce burn rate without cutting headcount, start with the highest-leverage levers: accelerate invoice collections (every 10 days faster = significant cash freed), renegotiate vendor payment terms, and defer discretionary software subscriptions.

Cash runway is the number of months before cash hits zero: Current Cash ÷ Burn Rate. Most investors expect 12–18 months of runway. Below 6 months — fundraising takes 3–6 months to close — you're in the danger zone.

How to Build a Rolling Cash Flow Forecast

A rolling cash flow forecast is updated continuously as actual data comes in. Each week, you add one new week (or month) to the end and drop the oldest period — keeping you always 90 days ahead. Here's how to build one:

1

Start with your actual bank balance

Pull the real figure from your bank account — not your accounting system's balance, which may include uncollected checks or unrealized revenue.

2

Map confirmed inflows from your AR aging

Go line by line through your accounts receivable aging report. An invoice 30 days overdue has a very different collection probability than one due next week.

3

List all fixed outflows first

Payroll, rent, loan payments, and insurance are non-negotiable and highly predictable. Enter these exactly.

4

Estimate variable expenses conservatively

For costs that fluctuate (inventory, contractor spend, marketing), use your 3-month historical average and add 10–15% for surprises.

5

Update weekly against actuals

Every Monday, reconcile projected vs. actual and roll the forecast forward. A forecast not updated with real data is fiction.

The #1 Cash Flow Mistake Small Businesses Make

Confusing invoiced revenue with collected cash. You can invoice $100,000 in a month and collect $40,000. Your cash flow forecast must use collection dates — not invoice dates. If your customers pay in 45 days, your Month 1 inflows are your Month −1 invoices, not your Month 1 invoices.

→ Calculate how much cash your slow-paying customers are holding hostage

Methodology: How This Tool Calculates Your Cash Flow Forecast

Authored by: InvoiceFollowUps.com Finance Research Team

Last Updated: May 10, 2025

Formulas: Net Cash Flow = Total Inflows − Total Outflows · Ending Cash = Opening Cash + Net Cash Flow · Burn Rate = Avg Monthly Outflows − Avg Monthly Inflows · Cash Runway = Current Cash ÷ Monthly Burn Rate

Scenario Planning: Best case applies +20% to revenue and −10% to expenses. Worst case applies −30% to revenue and +15% to expenses. These ranges are consistent with standard financial stress-testing methodology used by CFOs and lenders.

Sources: AICPA cash flow projection standards · SBA cash flow planning guidelines · SEC disclosure requirements for liquidity and capital resources · Standard corporate finance textbook methodology (Berk & DeMarzo, Corporate Finance, 5th ed.)

Limitations: This tool uses user-entered estimates. It does not import bank data or accounting system data automatically. Update inputs with actual figures weekly for best accuracy. All results are estimates for planning purposes only.

Know Your Cash Position. Prevent a Cash Crisis.

The businesses that survive cash crunches are the ones that see them coming 90 days in advance. Build your forecast now — it takes under 2 minutes.

Frequently Asked Questions: 90-Day Cash Flow Forecast

Related Cash Flow Tools & Guides

Authored by: InvoiceFollowUps.com Finance Research Team

Calculation Method: Standard corporate finance cash flow projection methodology. Net Cash Flow = Total Inflows − Total Outflows. Burn Rate = Avg Monthly Outflows − Avg Monthly Inflows. Cash Runway = Current Cash ÷ Monthly Burn Rate (per AICPA AT-C 305 financial projections guidance).

Scenario Multipliers: Best case: +20% revenue, −10% expenses. Worst case: −30% revenue, +15% expenses. Based on typical variance ranges from CFO Alliance benchmarking data.

Last Updated: May 10, 2025

Sources: SBA.gov ↗, AICPA.org ↗, SEC.gov ↗, Berk & DeMarzo, Corporate Finance (5th ed.)

Disclaimer: All results are estimates for financial planning purposes only. Not a substitute for professional accounting advice. Update inputs weekly with actual bank data for best accuracy.

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