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Business finance

Working capital calculator

Turn commercial timing into an operating working-capital estimate. Compare the current position with another scenario while keeping sales and costs constant.

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Answer with what you know today. If something is unclear, select the option that reflects this.

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Use one currency. Changing it relabels amounts without converting them.

Amount excluding taxes. Collection days must average these same sales, including cash sales at zero days.

Direct cost to replace what was sold. Exclude administrative overhead, interest and taxes; this model uses this cost as a proxy for supplier purchases.

From sale to collection; use 0 if every sale is paid immediately.

Time inventory is held before sale; use 0 if you carry no inventory.

Amount-weighted average time to pay suppliers; include cash purchases at 0 days.

Try a different collection period, keeping monthly sales unchanged.

Try a different turnover period, keeping monthly cost unchanged.

Use only terms you could agree with your suppliers.

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How it works

A starting point for discussion

A month is treated as 30 days. Receivables = sales × collection days / 30; inventory = cost of goods sold × inventory days / 30; payables = cost of goods sold × payment days / 30. Estimated operating working capital is receivables + inventory − payables. Both scenarios keep sales and costs unchanged.

The result organizes your answers and the stated assumptions. Reviewing your situation may require additional information and analysis.

Reference sources

References reviewed: 2026-10-09

Reading for context

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