Working Capital Calculator
Free working capital calculator. Enter revenue, COGS, receivables, inventory, and payables to see your DSO, DIO, DPO, and cash conversion cycle — where cash is really stuck.
The cash conversion cycle, in plain terms
Profit and cash are not the same thing. The working-capital cycle is where the gap usually hides. Four numbers explain it:
- DSO (Days Sales Outstanding) — how long customers take to pay you. Higher = more cash locked in receivables.
- DIO (Days Inventory Outstanding) — how long stock sits before it sells. Higher = more cash locked in inventory.
- DPO (Days Payable Outstanding) — how long you take to pay suppliers. Higher = suppliers are funding more of your operation.
- CCC (Cash Conversion Cycle) = DSO + DIO − DPO — the net number of days your cash is tied up in the business.
Why a lower (or negative) cycle is powerful
Every day you cut from the cycle is cash released back into the business. A negative cash conversion cycle means you collect from customers before you pay suppliers — your growth is partly funded by your own supply chain, the way the best retailers and distributors operate.
Turn the diagnosis into runway
This calculator tells you where cash is stuck. Fixing it — tightening collections, right-sizing inventory, renegotiating supplier terms — is exactly what a cash flow management engagement does, with a weekly cadence so the gains stick.
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