Business and period
The period sets what the days figures are measured against.
A year is counted as 365 days and a month as 30.4 of them, so the days figures are the same whether you enter a month of trading or a year of it.
Trading, per month
A normal period. These are what the balances below are measured against.
Everything the business sold in the period, cash and credit together.
Sales invoiced for payment later. This is what customer payment days are worked out from.
What the goods you sold cost you. Not what you sold them for.
What you bought from suppliers in the period. This is what supplier payment days are worked out from.
Where things stand today
The three operating balances, at today's date.
Invoices raised and not yet paid. Accounts receivable, at today's date.
Raw materials, work in progress and finished goods, valued at cost.
Trade payables only. Not loans, not tax, not shareholder or director balances.
Cash you hold
Optional. Used to set the growth requirement against what you could actually fund.
Working capital is worked out without it. Adding it lets the growth scenario say whether the additional capital could come out of the cash you already hold, or would have to come from somewhere else.
Working capital tied up
Nothing entered yet
Enter what customers owe you, the stock you are holding and what you owe suppliers, and the capital your operating cycle is holding appears here as you type.
What you will get
Fill in a period of trading and the three operating balances, and the answer appears here as you type.
- How much capital your operating cycle is holding, and what it is made up of
- How long customers take to pay, how long stock sits, and how long you take to pay suppliers
- Your cash conversion cycle: how many days the business funds its own operation for
- What collecting sooner, holding less stock and longer supplier terms would each release, and what one day of each is worth
- What growing your sales would cost in working capital before any of the extra profit arrives
Working this out from month-end balances?
This calculator works from the figures you type in. Your business already has them.
OraOS Business connects customers, sales, inventory, suppliers, purchases and cash, so working capital pressure becomes visible from the operating records themselves rather than being reassembled from a stock take and an aged debtors list.
- Receivables and collection days from the invoices themselves
- Stock cover from what is actually on the shelf and moving
- Supplier balances and terms from the purchases as recorded
- The cycle moving as the business moves, not once a month
A separate product, with its own pricing and its own pilot. This calculator stays free either way.
Ora Account
Coming soonSave working capital positions, compare results and reopen your work across Ora Tools when the Ora Account launches. It will be free.
Nothing on this page asks you to sign in, and nothing you enter leaves your browser today.
What the account will doOra Tools Pro
Coming soonSaved positions, the cycle tracked period against period, several scenarios side by side, and export to PDF and spreadsheet are intended for Pro.
None of it exists yet, and no price has been set. The calculation on this page is complete and free, and will stay that way.
Free and Pro, comparedYour calculation runs in your browser. The figures you enter, including your sales, your stock holding and what you owe your suppliers, are never sent to Ora, and are kept only in this browser so that a refresh does not lose them. Clearing the form removes them. Like any website, Ora Tools counts anonymous page views, which carry nothing you typed. Every figure on this page is arithmetic on what you entered, not a forecast of your market.