Cash Conversion Cycle Calculator

Stock sits for 45 days. Customers take 62 to pay. You pay suppliers in 30. That is a 77-day cycle, and on 400,000 of revenue it means about 77,800 of your own money is inside the business at any moment — in stock on shelves and invoices nobody has paid.

Now grow 30%. That needs 30% more of the same working capital, in cash, before any of the extra work is paid for.

This is the exact mechanism by which a profitable business runs out of money, and it catches people because every figure on the profit and loss looks better while it is happening. The page puts the cash growth needs next to the profit growth earns, so you can see which is larger before you commit to it.

The three days at the top are the levers, not the sales. A day off how long customers take releases a day of revenue — once, permanently, without selling anything to anybody. The page shows which of the three is doing the most damage.

A negative cycle is treated as the enviable thing it is rather than as an error. If you are paid before you pay, your suppliers are funding the business and growth costs you nothing in working capital, and the page says so along with what that position depends on.

It is an average, and it says so. A seasonal business has a peak far worse than its average, and the peak is when the money runs out — so if your year has a shape, work out the worst month rather than the whole year.

Stock and payables are valued at cost and receivables at what you invoiced, which is the distinction most spreadsheets get wrong and always in the direction that understates the gap.

Save as many versions as you like and put any two side by side, figure against figure, with the better one on each line marked and the difference in its own column. That screen is the one that decides things, and it is the part a free calculator cannot do at all. The cycle moves slowly, so the direction matters more than the number.

One HTML file. No account, no subscription, no internet needed. Opens on Windows, Mac and Android; the readme explains the extra step on iPhone and iPad, where Apple blocks JavaScript in downloaded files and every tool of this kind is affected.

Everything lives in your browser on your device. Nothing is uploaded, which is why it works offline and why nobody else can see your figures — and it also means clearing your browsing data deletes it. The tool does not pretend otherwise: the header shows how long since your last export at all times, turns amber after three days and red after seven, and export is one click that produces a plain file you keep.