Working capital calculator
Thursday 16th October 2025
Last updated: 5th November 2025
Our working capital calculator helps you understand how much liquidity your business has to meet day-to-day expenses.
Simply enter your current assets and liabilities below, and the tool will give you a clear breakdown of your working capital position.
Are you having troubles with your business cash flow?
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What the calculator looks at
This calculator asks you to input key short-term figures:
Current assets
- Cash and bank balances
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Accounts receivable (unpaid invoices)
-
Inventory
- Other liquid assets
Current assets
- Accounts payable (supplier bills)
-
Short-term debts
-
Other upcoming obligations
The result will show your working capital (assets minus liabilities), along with a working capital ratio if applicable.
Why working capital matters for your business
Working capital is one of the clearest indicators of your business’s financial health. It shows:
- Whether you can cover your short-term obligations
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If you’re in a strong position to reinvest or expand
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How much flexibility you have in your day-to-day finances
- When you may need extra funding to avoid shortfalls
For new and growing businesses, understanding your working capital can help with cash flow planning, credit decisions, and investment readiness.