Cash Flow
Why profit and cash are not the same number: where the money actually came from and where it went.
Where the cash went in August
You made $6,212 profit in August, and cash rose $350. The gap between profit and cash is mostly owner draws (−$5,400) and loan repayments (−$468).
Year to date, Jan–Aug
You made $40,544 profit so far this year, and cash rose $7,891. The gap between profit and cash is mostly owner draws (−$29,300) and loan repayments (−$3,662).
Cash from operations vs cash in the bank
Operating cash is profit adjusted for timing; the bank line is what is actually there at each month end.
- Cash at month end
- Cash from operations
Statement of cash flows
By month, as QuickBooks reports it.
| Aug 25 | Sep 25 | Oct 25 | Nov 25 | Dec 25 | Jan 26 | Feb 26 | Mar 26 | Apr 26 | May 26 | Jun 26 | Jul 26 | Aug 26 | 13-mo total | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 4,681 | 3,513 | 4,151 | 3,583 | 1,765 | 2,324 | 3,124 | 3,204 | 6,232 | 5,380 | 8,042 | 6,026 | 6,212 | 58,239 | |
| Chase Ink Business Card | 293 | (305) | 176 | (26) | (3) | (162) | 188 | 364 | (380) | 343 | (269) | (101) | 6 | 126 | |
| Sales Tax Payable | 113 | (165) | 107 | (73) | (83) | (27) | 128 | 223 | 47 | 30 | 111 | (193) | – | 216 | |
| Total Adjustments to reconcile Net Income to Net Cash provided by operations: | 406 | (471) | 283 | (98) | (86) | (189) | 316 | 587 | (334) | 373 | (158) | (294) | 6 | 342 | |
| Net cash provided by operating activities | 5,087 | 3,042 | 4,434 | 3,485 | 1,680 | 2,135 | 3,440 | 3,791 | 5,898 | 5,754 | 7,884 | 5,732 | 6,218 | 58,581 | |
| Vehicles | (36,200) | – | – | – | – | – | – | – | – | – | – | – | – | (36,200) | |
| Net cash provided by investing activities | (36,200) | – | – | – | – | – | – | – | – | – | – | – | – | (36,200) | |
| Vehicle Loan | 31,848 | (436) | (439) | (442) | (445) | (447) | (450) | (453) | (456) | (459) | (462) | (465) | (468) | 26,425 | |
| Owner's Draw | (3,200) | (2,100) | (2,700) | (2,300) | (1,100) | (1,700) | (1,800) | (2,200) | (4,100) | (2,900) | (5,900) | (5,300) | (5,400) | (40,700) | |
| Net cash provided by financing activities | 28,648 | (2,536) | (3,139) | (2,742) | (1,545) | (2,147) | (2,250) | (2,653) | (4,556) | (3,359) | (6,362) | (5,765) | (5,868) | (14,275) | |
| Net cash increase for period | (2,464) | 506 | 1,296 | 743 | 135 | (12) | 1,190 | 1,138 | 1,342 | 2,394 | 1,521 | (33) | 350 | 8,107 | |
| Cash at beginning of period | 8,337 | 5,873 | 6,379 | 7,675 | 8,418 | 8,553 | 8,541 | 9,731 | 10,869 | 12,211 | 14,605 | 16,127 | 16,094 | 8,337 | |
| Cash at end of period | 5,873 | 6,379 | 7,675 | 8,418 | 8,553 | 8,541 | 9,731 | 10,869 | 12,211 | 14,605 | 16,127 | 16,094 | 16,444 | 16,444 |