Working Capital Calculator
A working capital calculator takes your current assets and current liabilities and turns them into the number that decides whether the next few months are comfortable or tense: how much of your own cash is locked inside the operating cycle, and how much is left to actually run the business.
Working capital is where profitable businesses quietly run out of money. Revenue grows, so receivables grow with it; bigger orders need more stock; suppliers still want paying on their original terms. Every one of those is a good sign on the P&L and a cash outflow in the bank account. The gap between the two is exactly what this calculator measures.
The sheet is built in three parts. You enter current assets and current liabilities line by line, and it returns total current assets, total current liabilities, net working capital and the working capital ratio. It also isolates net operating working capital — receivables plus inventory minus payables — because that is the part you control day to day, unlike cash or a tax bill. Finally it expresses the result in days of revenue, which is usually the version that makes the number land.
The last section is the useful one. Enter how many days faster you could collect, how many days less stock you could hold, and how many days longer you could take to pay, and the sheet shows the cash each lever releases. It is deliberately blunt: five days off your collection time is a specific amount of money, not a vague improvement.
A spreadsheet like this gives you a snapshot on the day you fill it in. Finmap keeps the same calculation running against your connected bank accounts and invoices, so you see working capital moving week to week — and catch the drift while it is still small enough to fix.
