Working Capital Calculator 2026
Short-term liquidity health from your balance sheet — current ratio, quick ratio, and cash conversion cycle.
Current assets
Money owed by customers — sundry debtors.
Raw material, WIP, and finished goods at cost.
Prepaid expenses, short-term loans & advances, GST input credit.
Current liabilities
Money you owe suppliers — sundry creditors.
Working capital loans, CC limits used, current portion of long-term debt.
Accrued expenses, GST/TDS payable, advances from customers.
Annual figures (for CCC)
Used to compute days sales outstanding (DSO).
Used to compute days inventory outstanding (DIO) and days payables outstanding (DPO).
Working capital
Healthy₹40.00 L
Current assets ₹70.00 L − liabilities ₹30.00 L.
Current ratio
2.33
Quick ratio
1.33
Cash ratio
0.33
Cash Conversion Cycle
60.8 days
Working Capital FAQs
Practical guidelines on managing business cash conversion cycles.
What is a negative working capital cycle and is it dangerous?
Negative working capital occurs when customers pay immediately (or upfront) while suppliers offer extended credit terms (e.g. Amazon, FMCG giants). For dominant firms, it is an efficient source of free operational funding; for vulnerable firms, it can lead to acute liquidity crunches.
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