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Working capital needs calculator

See your working capital today and how much more you will need to support the growth you are planning.

How to use the working capital needs calculator

What it does: See your working capital today and how much more you will need to support the growth you are planning.

When to use it: Use it when you plan the next few months, before a big purchase, or when cash feels tighter than sales suggest.

  1. Start with the example numbers to see how it works.
  2. Replace them with your own figures from your bank statements, invoices, or bookkeeping. Estimates are fine.
  3. Read the plain-language result at the top, then change one number at a time to see what moves it most.

The calculator is free, needs no account, and doesn't store what you type.

Go deeper with a toolkit

Cash Flow ToolkitSee where your cash goes, forecast the next 13 weeks, build a cash cushion, and get paid faster, with notes for your type of business and AI prompts that build a forecast around your numbers.Open toolkit →
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