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Working Capital

Working Capital Requirement Calculator

Calculate your business's working capital needs. Understand the funds required to manage day-to-day operations, inventory, and receivables efficiently.

Enter Business Financials

Fill in your operating cycle details to calculate working capital requirement

₹
Total annual sales revenue
₹
Annual cost of goods sold or raw materials consumed

Operating Cycle (Days)

days
Average days raw materials are held before production
days
Average days goods remain in production
days
Average days finished goods are held before sale
days
Average days to collect payments from customers
days
Average days taken to pay suppliers
%
Additional buffer for unexpected expenses or delays

Your Working Capital Requirement

Enter your business financials and click "Calculate Working Capital" to see your funding needs.

Total working capital needed Operating cycle breakdown Component-wise analysis

Working Capital Formula

Working Capital = Current Assets - Current Liabilities
Operating Cycle = Inventory Days + Receivable Days - Payable Days
WC Requirement = (COGS/365) × Operating Cycle + Safety Margin

Industry Benchmarks

Manufacturing: 60-120 days
Retail: 30-60 days
Services: 15-45 days
Construction: 90-180 days