T&TTool & TallyBusiness calculators for service owners

Free business calculator

Cash Flow Gap Calculator

Check whether cash on hand plus expected collections covers near-term monthly cash expenses.

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Tool & Tally calculators are for general business planning and estimating; they are not tax, legal, payroll, financial, or accounting advice. No guaranteed revenue, profit, leads, bookings, sales, rankings, or ROI.

Business number check

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Formula and assumptions

How the calculator works

Cash Gap = Cash Expenses - Cash On Hand - Expected Collections Runway Days = (Cash On Hand + Expected Collections) / Daily Cash Expenses

Common mistakes this catches

  • Confusing booked revenue with collected cash.
  • Ignoring payroll, rent, insurance, fuel, and supplier timing.
  • Waiting until the gap is urgent before checking it.

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