Profit is income minus expenses on an accrual basis. Cash flow is actual cash in minus cash out. You can be profitable but cash flow negative if customers pay late.
Cash Flow AnalysisMonthly ProjectionLast reviewed:
Cash Flow Calculator Ireland 2026
Project your monthly business cash flow in Ireland. Enter income, expenses, and opening balance to calculate closing balance and cash position.
✓ Track income, expenses, and closing balance✓ Separate operating, tax, and loan payments✓ Identify cash flow gaps before they become problems
💧 Cash Flow📊 Business Planning
Cash flow formulaOpening + Income − Expenses
Irish SME challenge60% of failures are cash flow related
Tax timingPAYE monthly; income tax Oct; VAT bi-monthly
Key metricPositive closing balance each month
Start Calculator →Cash in
Customer receipts, grants, loan drawdowns
Cash out
Supplier payments, wages, rent, tax, loans
Tax timing
Factor in VAT, PAYE, and income/CT payments as they fall due
Note
This is a cash tool, not an accrual P&L — timing of receipts and payments matters
Calculate Monthly Cash Flow
Your Results
Total Cash In—
Total Cash Out—
Net Cash Flow—
Closing Cash Balance—
Cash Position—
Confidence Score
Frequently Asked Questions
A positive closing balance each month with at least 2–3 months of overheads held in reserve. Seasonal businesses need larger reserves.
Yes — include VAT receipts as cash in when received, and VAT payments to Revenue as cash out when paid. This reflects the actual cash timing.
Invoice immediately on completion. Offer early payment discounts. Use invoice factoring. Negotiate longer supplier terms. Pay taxes monthly rather than as a lump sum.
This calculator shows a single month. For a 12-month forecast, run the calculation 12 times using the prior month's closing balance as the next month's opening balance.
Official Sources
This calculator is based on legislation and guidance from the following official sources:
Need an exact calculation?
IrishTaxTools provides estimates. D’Emilia Accounting can review your complete circumstances and provide professional assistance with Irish tax, payroll, VAT, bookkeeping and compliance.