Cash Flow Simulator for Solopreneurs
Know Your Runway Before You Run Out - This simulator gives you what a spreadsheet never could: clear, visual answers to your "what if" questions.
Cash Flow Simulator for Solopreneurs
Know Your Runway Before You Run Out
Too many solopreneurs make financial decisions based on anxiety instead of data. They hire too soon, wait too long to invest, or stress about every expense—because they don't have a clear view of their cash position.
This simulator gives you what a spreadsheet never could: clear, visual answers to your "what if" questions.
💡 How it works: Enter your current cash balance, monthly revenue, and expenses. The tool projects your balance month by month and alerts you if you're heading toward trouble. Test different scenarios to see how decisions affect your runway.
Free to use. No signup required. Your numbers stay private.
Quick Start Guide
- Enter your starting cash balance - How much is in your business account right now?
- Add monthly revenue and expenses - Use your average or expected amounts
- Include one-time costs - Like that course you're considering or upcoming software renewal
- Review your projection - See where your balance goes month by month
- Test scenarios - Change the numbers to see "what if" outcomes
I help service-based solopreneurs (e.g. coaches, consultants, wellness practitioners, attorneys, writers, and creatives) who want to replace money anxiety with clarity and confidence. In my world, being a CEO means being a Calm, Empowered Owner of your business, your numbers, and your decisions.
Cash Flow Simulator
Project your financial runway and make confident business decisions
Cash Flow Alert
Starting Position
One-Time Expense
Month-by-Month Projection
| Month | Revenue | Expenses | Net Flow | Balance |
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Investment: $750 (applies toward any cleanup work if you proceed)
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Frequently Asked Questions
How do I calculate cash flow for my small business?
To calculate cash flow, start with your beginning cash balance, add your monthly revenue, and subtract your monthly expenses. The result shows your ending balance for that month. Repeat this calculation for each month to project your runway. Include one-time expenses like software purchases or equipment upgrades in the month they'll occur.
What is a cash flow projection for solopreneurs?
A cash flow projection is a month-by-month forecast showing how much money will flow in and out of your business. It helps solopreneurs see when they might run low on cash, plan for big expenses, and make confident decisions about hiring, investing in tools, or raising prices.
How many months of cash runway should a solopreneur have?
Most financial experts recommend solopreneurs maintain 3-6 months of business expenses as a cash cushion. This provides a safety net during slow periods and gives you breathing room to make strategic decisions without panic. Service-based businesses with consistent revenue may be comfortable with 3 months, while those with variable income should aim for 6+ months.
What should I include in my monthly business expenses?
Include all regular costs: software subscriptions, website hosting, insurance, banking fees, subcontractors, marketing costs, professional development, and a reasonable owner's draw or salary. Don't forget quarterly expenses like estimated taxes—divide these by 3 and include monthly. Also account for irregular costs like annual software renewals or conference attendance.
How do I know if my business cash flow is healthy?
Healthy cash flow means your business consistently generates more money than it spends. Warning signs include: regularly dipping into personal funds, consistently negative monthly cash flow, your balance trending downward over 3+ months, or being unable to pay yourself. A cash flow projection helps you spot these patterns before they become crises.
Should I factor in revenue growth in my cash flow projection?
Yes, but be conservative. If you're actively implementing growth strategies—raising prices, launching new offerings, or investing in marketing—a 2-5% monthly growth rate is realistic. For stable businesses without major changes, keep growth at 0% to see a conservative projection. Testing both scenarios helps you make informed decisions.
What's the difference between profit and cash flow?
Profit is revenue minus expenses on paper. Cash flow is the actual money moving in and out of your bank account. You can be profitable but cash-poor if clients pay slowly, you prepay expenses, or you're investing in growth. Cash flow projection shows the real money available to run your business, which is why it's critical for solopreneurs.
How often should I update my cash flow projection?
Review and update your projection monthly at minimum. Update immediately when major changes occur: landing a new client, losing revenue, hiring help, or making significant purchases. Regular updates help you catch problems early and adjust your business decisions based on current reality rather than outdated assumptions.
Can I use a cash flow simulator to decide if I can afford to hire help?
Absolutely. Add the contractor or VA cost to your monthly expenses and any onboarding costs as a one-time expense. Run the projection to see how hiring affects your runway. If your balance stays positive and you maintain at least 3 months cushion, you can likely afford it. This removes the guesswork and emotional anxiety from the hiring decision.
What if my cash flow projection shows I'll run out of money?
A negative projection is valuable information, not a failure. You have options: reduce expenses, increase prices, add revenue streams, delay large purchases, or adjust your owner's draw temporarily. The projection shows you exactly when problems occur, giving you time to make strategic changes before you're in crisis mode.