Ecommerce Cash Flow Calculator
Calculate cash flow for your ecommerce business using industry-specific benchmarks and defaults.
Monthly Cash Flow
$2,500
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
$30,000
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 ecommerce businesses, revenue comes from Direct-to-consumer product sales, Wholesale and B2B orders, Marketplace sales (Amazon, eBay, Etsy). 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 Cost of goods sold (inventory), Shipping and fulfillment, Payment processing fees, Platform and marketplace fees, plus loan payments and any other recurring costs.
Need more than a calculator for your ecommerce finances?
Our Ecommerce 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 Ecommerce Businesses
Cash flow management is the difference between a ecommerce 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.
Heavy Q4 concentration around Black Friday, Cyber Monday, and holiday gifting. Many categories also spike in January (post-holiday), back-to-school (August), and Mother's Day. Understanding these patterns is critical for ecommerce businesses. Build cash reserves during peak months to cover fixed costs during slower periods. Key costs like Cost of goods sold (inventory), Shipping and fulfillment, Payment processing fees don't stop during slow months, so your cash reserves need to bridge the gap.
Ecommerce Industry at a Glance
Financial templates built for ecommerce businesses — from Shopify stores to Amazon sellers. Pre-loaded with SKU-level line items, platform fee categories, return tracking, and the metrics that drive online retail profitability.
Revenue Drivers
- Direct-to-consumer product sales
- Wholesale and B2B orders
- Marketplace sales (Amazon, eBay, Etsy)
- Subscription or bundle revenue
Key Cost Categories
- Cost of goods sold (inventory)
- Shipping and fulfillment
- Payment processing fees
- Platform and marketplace fees
- Returns and refunds
- Digital advertising and customer acquisition
Typical Margins
Gross: 30-55% · Net: 5-15%
Seasonality
Heavy Q4 concentration around Black Friday, Cyber Monday, and holiday gifting. Many categories also spike in January (post-holiday), back-to-school (August), and Mother's Day.
Key Performance Indicators
Frequently Asked Questions
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