Operating Cycle
Average collection period (days)
Inventory days held
average days stock sits before it is sold
Payables days (supplier terms)
days you wait to pay suppliers after purchase
Collection
—
DSO
Inventory
—
DIO
Payables
—
DPO
DSO + DIO − DPO = cash conversion cycle
Cost of Sales
Monthly COGS ($)
≈ $4,931.51 / day
Daily cost ($, optional)
uses monthly when blank
Sales-Growth Sensitivity
Projected sales growth
+0%
−20%0%+25%+50%
Cost of sales scales with growth, so the daily cash burn and the cash tied up in the cycle rise with it.
Awaiting input
Working capital required
—
Enter your collection, inventory, and payables days plus a projected cost-of-sales figure to see how much cash your operating cycle ties up.
Cash Conversion
—
DSO + DIO − DPO
Operating Cycle
—
collection + inventory days
Daily Cash Cost
—
—
Annual Cost of Sales
—
annual spend at this daily rate
Plain-Language Result
Fill in both sections above to get a plain-language read of your working capital need.
Requirement at Each Growth Level
| Sales growth | Daily cash cost | Capital required | Days of COGS |
|---|
Working capital need = daily cash cost of sales × cash conversion cycle days. Cost of sales is projected from monthly COGS (×12 ÷ 365) or a direct daily figure; sales growth scales it. A negative cash conversion cycle means supplier terms and fast collections fund the cycle — the requirement shows as zero with a released-buffer note. All calculations run client-side — no data leaves your browser.