Construction Cash Flow Calculator
Calculate cash flow for your construction business using industry-specific benchmarks and defaults.
Monthly Cash Flow
$1,250
Net cash in or out each month
Monthly Burn Rate
$0
Cash spent beyond revenue (if negative)
Cash Runway
—
Months your reserves will last
Annual Cash Flow
$15,000
Projected 12-month net cash flow
How to Use This Cash Flow Calculator
Enter your monthly revenue — the cash actually collected each month, not just invoiced. For construction businesses, revenue comes from Project contracts, Change orders, Service & maintenance. Use an average month or run the calculation for both peak and slow months.
Enter your total monthly expenses — everything that leaves your bank account. Include Materials, Labor (direct), Subcontractors, Equipment rental, plus loan payments and any other recurring costs.
Need more than a calculator for your construction finances?
Our Construction Cash Flow Template gives you a complete, ready-to-use Excel spreadsheet with industry-specific categories, formulas, and dashboards. Skip the setup — start analyzing in minutes.
Cash Flow Calculator for Construction Businesses
Cash flow management is the difference between a construction business that survives and one that thrives. Even profitable businesses fail when they run out of cash — a common scenario when revenue is seasonal, customers pay late, or a large expense hits unexpectedly. This calculator gives you a clear picture of your monthly cash position and how long your reserves will last.
Peak activity spring through fall; winter slowdown in northern climates. Year-end push to close projects. Understanding these patterns is critical for construction businesses. Build cash reserves during peak months to cover fixed costs during slower periods. Key costs like Materials, Labor (direct), Subcontractors don't stop during slow months, so your cash reserves need to bridge the gap.
Construction Industry at a Glance
Financial templates built for construction companies — from general contractors to specialty trades. Pre-loaded with job costing categories, bid tracking, and project-based financials.
Revenue Drivers
- Project contracts
- Change orders
- Service & maintenance
- Material markups
Key Cost Categories
- Materials
- Labor (direct)
- Subcontractors
- Equipment rental
- Permits & insurance
- Overhead
Typical Margins
Gross: 20-35% · Net: 2-7%
Seasonality
Peak activity spring through fall; winter slowdown in northern climates. Year-end push to close projects.
Key Performance Indicators
Frequently Asked Questions
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