QuickBooks Online includes a Cash Flow Planner for people already running their books on the platform. Per Intuit's own help documentation, setting it up means connecting your bank and credit-card accounts so it can pull your transaction history, and it forecasts a 3-to-24-month range from that data plus any items you add by hand. It is a feature of a paid QuickBooks Online (or Intuit Enterprise Suite) subscription — it is not a standalone or free tool, and it is not available unless you are already a QuickBooks Online customer.
This calculator asks a narrower question with none of that setup: given the cash you have right now and what is coming in and out, when—if ever—does the balance go negative, and what single payment would fix it? No bank connection, no bookkeeping platform, no account. Five numbers and up to eight dated one-off rows, entirely in your browser.
| Question | Where to answer it |
|---|---|
| My books already live in QuickBooks Online with bank feeds connected — what does my cash balance look like 3–24 months out? | QuickBooks Online's Cash Flow Planner. |
| I don't use QuickBooks (or don't want to connect my bank) — when does my cash go negative over the next 12 months? | This calculator's weekly forecast — no account, no bank connection. |
| There's a projected shortfall — which specific payment should I move or collect early to close it? | This calculator's shortfall plan, which names the payment and says whether it fully closes the gap. |
| Is the shortfall a timing problem, or do weekly costs just exceed weekly income? | This calculator names it as structural when moving one payment would only postpone the same shortfall. |
| I need a one-time item like a tax bill or an insurance renewal on a specific date. | Both tools support this — QuickBooks calls it an "event"; this calculator calls it a one-off row. |
This tool needs no QuickBooks account, no bank connection, and no signup: it is a static page, the arithmetic runs in your browser, and your numbers stay on your device — nothing is uploaded anywhere.
It depends on what you already have. QuickBooks Online's Cash Flow Planner is a feature inside a paid QuickBooks Online (or Intuit Enterprise Suite) subscription: setting it up means connecting your bank and credit-card accounts so it can read your transaction history, and it is only available if you are already a QuickBooks Online customer. This calculator is a free standalone page: no account, no subscription, and no bank connection. You type your starting cash, weekly income, weekly costs, and any one-off payments directly, and the forecast runs in your browser. If your books already live in QuickBooks Online and your accounts are connected, its planner can lean on that transaction history. If you are not a QuickBooks customer, or just want a fast answer before committing numbers to any accounting software, this page answers the same question with five fields and no signup.
Yes, and so can this calculator — both let you add a dated one-time item separate from your recurring income and costs. QuickBooks' planner calls this an "event": you name it, give it an amount, mark it money in or money out, and pick the date. This calculator's one-off rows work the same way, up to eight of them. The difference is what happens after you enter one: this calculator also names which specific one-off payment to move (or which invoice to collect early) to close a projected shortfall, and separately flags when the gap is not a timing problem at all — when weekly costs simply exceed weekly income — so moving a payment would only postpone the same shortfall rather than fix it.
QuickBooks Online's Cash Flow Planner supports a forecast range from 3 months out to 24 months, per Intuit's own help documentation. This calculator forecasts up to 52 weeks (about 12 months), with every week shown against its actual calendar date. Neither is strictly longer than the other across their full range — pick QuickBooks' planner for a multi-year view once you are on the platform, or this page for a shorter, week-by-week runway check with no setup.
No. This site is not affiliated with, endorsed by, or sponsored by Intuit Inc. QuickBooks, QuickBooks Online, and Cash Flow Planner are trademarks of Intuit Inc., named here only to describe what this calculator is for.