Free Working Capital Calculators
Free Working Capital Calculators
Free calculators for UK business owners: measure your cash cycle, see where cash is locked up, and work out what big decisions – a new hire, paying a supplier early – really cost. No signup, nothing you type is stored, and each one takes under a minute.
Measure your working capital
Benchmark how fast cash moves through your business.
Working Capital Calculator
Calculate net working capital and current ratio. See whether you can cover short-term obligations and how you compare to industry peers.
Calculate working capital →DSO Calculator
Days Sales Outstanding: how long customers take to pay. Find out how much cash you could unlock by collecting faster.
Calculate DSO →DPO Calculator
Days Payable Outstanding (creditor days): how quickly you pay suppliers. Understand your payment terms relative to your industry.
Calculate DPO →DIO Calculator
Days Inventory Outstanding: how long stock sits before selling. Identify excess inventory tying up cash unnecessarily.
Calculate DIO →Plan costs and decisions
Put a number on the choices that move your cash.
True Cost of a Hire Calculator
Salary plus employer NI, pension and the Employment Allowance on 2026/27 rates – and the cash you need before a new hire pays their way.
Cost a new hire →Early Payment Discount Calculator
Is 2/10 net 30 worth taking? Turn a supplier’s discount into an annual rate and compare it with your overdraft and savings.
Check a discount →13-Week Cash Flow Forecast Template
A free Excel template that calculates your weekly cash balance and flags any week you dip below your safety buffer.
Get the template →Late Payment Interest Calculator
Owed money? Work out the statutory interest and fixed compensation you can claim on an overdue invoice under the Late Payment Act – with chasing-email wording ready to send.
Calculate your claim →