The Cash Flow Gap Finder is a free online tool that flags the months where planned cash out is larger than cash in, with the size of each gap and the lowest balance. It runs entirely in your browser, so you do not need to install anything, create an account, or share your business figures with anyone. You open the page, type in your own numbers, and get a clear answer in seconds. Small business owners often make cash and pricing decisions by guesswork, and this tool replaces that guesswork with simple arithmetic you can check yourself.
It is made for small business owners who want an early warning for tight months. If you run a small shop, a market stall, an online store, or a service business, you already know that a plan that looks good on paper can fail in real life. Cash timing, fixed costs, margins, and discounts interact, and a small change in one number can change the whole result. This tool keeps those numbers visible side by side, so you can see the effect of each choice before you commit to it.
You start by entering your starting cash balance and six months of cash in and cash out figures. Use real numbers from your own business where you can, not round guesses. If you are unsure about a figure, use your best careful estimate and then test a slightly different value as well. That second test shows you how sensitive your result is. A plan that only works when every figure is perfect is a fragile plan, and it is better to find that out here than after you have spent money.
Take this worked example: a starting balance of 500 and six months of 1,000 in, with cash out of 1,200, 800, 1,500, 900, 900, and 900. The tool shows two gap months, a total gap amount of 700, and a lowest balance of 0. Notice how the answer is not just one number. It breaks the result into its parts, so you can see where the money goes at each step. That breakdown is the useful part, because it tells you which step to change if the final number is too low or too high for your business.
The result matters because knowing which months are tight, and by how much, lets you move money or costs before the gap month arrives. Many owners look only at the headline sales figure and forget the costs and timing hidden inside it. A business can sell well and still run out of cash, or sell slowly and still earn well, depending on those hidden parts. Reading the full result, not just the headline figure, is what turns a sales number into a business decision rather than a hope.
A common mistake is looking only at the six-month total, which can hide a bad month inside a good-looking total. It is easy to make because the mistake feels like good business at the time. A lower price feels generous to customers, and a quick cash estimate feels close enough. Both can be true and still damage your margin or your cash position if the numbers underneath do not support them. The tool helps you catch that problem before customers or bills are involved, while it is still cheap to fix.
Fix the earliest gap month first, because a gap early in the plan changes every balance after it. This is a practical habit, not a theory. Test the figure you want, then test a slightly higher and slightly lower version. Compare the results in each case and ask yourself which result you could live with if sales stayed flat or costs rose a little. The best choice is often not the most generous or the most cautious one. It is the choice that leaves a margin and a cash position you can defend.
There are limits to what a simple calculator can do. it works from the six monthly figures you enter and does not predict late payments or surprise costs. It cannot predict how customers will react, how competitors will respond, or whether a product will sell at all. Those questions need market testing, customer feedback, and real sales data. What the tool can do is make sure the arithmetic behind your offer is sound, so that if the offer works, it also earns money and keeps cash positive. Sound arithmetic is the foundation, and market testing builds on top of it.
The figures here are estimates for planning only, not professional financial advice. Your real costs, cash timing, and business terms may differ, and you should check important decisions with your own records or a qualified adviser where needed. Used that way, this free tool is a practical helper for everyday cash and pricing work. Enter honest numbers, read the full breakdown, test a few versions, and choose the plan that protects your margin and keeps your cash safe.
El Buscador de Brechas de Caja