Working Capital Needs EstimatorMake the numbers clearer.
Estimate how much cash could be tied up between paying operating costs and receiving customer payments. Add a buffer and compare the result with available cash.
Enter your figures.
All currency amounts are in USD. Complete each number field; use zero where appropriate. Example values are illustrative.
Your figures are calculated in this page. This tool does not send or save your inputs.
Understand the assumptions.
Cash cycle = collection days + inventory days − supplier payment days. Cycle funding = annual cash operating costs ÷ 365 × max(0, cycle days). Buffer = annual costs ÷ 12 × chosen months. Additional need = max(0, cycle funding + buffer − available cash).
This is a steady-state planning approximation, not balance-sheet working capital or a loan recommendation. A detailed forecast should model uneven receipts, seasonal inventory, growth, taxes, debt service, and major purchases.
Before you use the result.
Use the estimate as a starting point for a conversation about your business.
Why can the cash cycle be negative?
Customers may pay before suppliers must be paid. The tool shows the negative cycle but assigns zero cycle funding before adding your buffer.
Does this tell me how much to borrow?
No. Compare the estimate with a detailed cash forecast, financing costs, and repayment capacity before discussing borrowing.
Are my figures stored or submitted?
No. This calculator runs in your browser and does not save or submit the numbers. Booking and contact forms are separate services.
Talk through your next step.
Bring your questions to a free consultation. We can discuss the information needed for a more detailed review.