Accounting Share · Budgets & planning
Cash Budget and Financing Need Calculator
Forecast closing cash before new financing and compare it with a specified minimum balance. This identifies a funding gap without assuming a borrowing source.
The interactive calculator requires JavaScript. The formula and worked example below remain available.
01 / Enter your figures
Make the numbers yours.
Use one currency and consistent time periods. Amounts are shown in your input currency units; no currency conversion is performed.
02 / See the working
Your calculation
Enter your figures, then choose Calculate. Or load the worked example.
03 / Understand the method
Formula and method
Cash before financing = Opening cash + Receipts − Payments
Forecast closing cash before new financing and compare it with a specified minimum balance. This identifies a funding gap without assuming a borrowing source.
How to use this calculator
- Collect the figures for the same entity, currency and reporting period.
- Enter each input using its label and unit. For percentages, enter 15 to mean 15%.
- Choose Calculate, inspect the breakdown and compare the result with your assumptions.
- Change one input to explore a scenario. Recalculate after edits; display rounding does not round the underlying calculation.
Inputs at a glance
- Opening cash: A nonnegative numeric input in the units specified by the label.
- Budgeted cash receipts: A nonnegative numeric input in the units specified by the label.
- Budgeted cash payments: A nonnegative numeric input in the units specified by the label.
- Minimum required closing cash: A nonnegative numeric input in the units specified by the label.
Worked example
Follow one calculation.
- Opening cash
- 10000
- Budgeted cash receipts
- 40000
- Budgeted cash payments
- 47000
- Minimum required closing cash
- 5000
- Calculated result
- 3,000
Load this example in the interactive form to inspect the intermediate amounts.
Assumptions and interpretation
Include only cash receipts and payments. Borrowing interest, repayment schedules, overdraft limits and timing within the period need separate planning.
The output is a model based on the figures entered. Check source records and use the accounting or contractual definitions relevant to your task before relying on a result.
Questions about this tool
What does the cash budget and financing need calculation measure?
Forecast closing cash before new financing and compare it with a specified minimum balance. This identifies a funding gap without assuming a borrowing source.
Which assumptions can change the result?
Include only cash receipts and payments. Borrowing interest, repayment schedules, overdraft limits and timing within the period need separate planning.
Why can displayed totals differ slightly from my spreadsheet?
Calculations use the unrounded input values. Only the display is rounded. Use four or six decimal places to inspect small differences, and check the timing, sign conventions and rounding policy in your spreadsheet.
Reference and further learning
Budgeting study reference. These original learning examples apply the displayed formula; the reference does not certify or endorse this calculator.
Look up an accounting term · Practise with accounting questions
Formula and worked example checked 4 November 2026. Calculations run in your browser without sending the entered figures to Accounting Share. Report a calculation issue with the tool name, example inputs and expected result; avoid sharing confidential records.
