Result
Projected balance
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This calculation is for informational purposes only and does not replace advice from a qualified professional. Formulas and rates may not fit your exact situation — double-check the figures before making decisions.
How it is calculated
The forecast assumes net cash flow changes by the same percentage from one month to the next — growing or shrinking geometrically rather than staying constant. Projected balance = current balance + the sum of all projected monthly flows over the period.
This is a trend extrapolation, not a plan for specific transactions — unlike the monthly cash flow calculator, where inflow and outflow are entered by hand for each month from actual or planned figures. A trend forecast is easier to put together, but it's less reliable the longer the horizon and the more sharply the business changes.
If the rate of change is negative and large enough in magnitude, the flow can turn negative or flip from inflow to outflow within the forecast period — the balance chart immediately shows when that happens and whether the balance dips below zero.