Working Capital Calculator: See Exactly What Your Cash Cycle Costs
Every extra day in your Cash Conversion Cycle locks up (Revenue / 365) in working capital. For a EUR 20M business, one unnecessary day costs EUR 54,800. Enter your DSO, DIO, and DPO below to see exactly how much, and which lever frees the most cash.
Working Capital Calculator
See your Cash Conversion Cycle, compare to benchmarks, and find which lever frees the most cash.
How to Read Your Results
Positive CCC?
You are financing your customers and inventory with your own cash. The EUR financing cost converts the day count into a real burden: (CCC / 365) x Revenue x Cost of Capital. Put that number in front of management, not “our DSO is 47 days.”
Negative CCC?
Your suppliers are effectively financing you. This is the structural position of retailers like Aldi or Lidl. It’s sustainable as long as supplier relationships stay stable.
Best lever recommendation shown?
This shows which of DSO, DIO, or DPO releases the most cash per day of improvement given your specific revenue and cost structure. Focus here first, not on the lever you feel most comfortable changing.
Where to Get Your Numbers
| Metric | Where to find it | SAP Transaction |
|---|---|---|
| DSO | Gross accounts receivable / (annual revenue / 365). Use gross AR before bad debt provisions. | FBL5N |
| DIO | Inventory balance / (COGS / 365). Use average inventory if period-end is seasonally distorted. | MB52 |
| DPO | Accounts payable / (COGS / 365). Use the same COGS denominator as DIO to keep ratios comparable. | FBL1N |
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Go Deeper
- Cash Conversion Cycle — industry benchmarks and realistic improvement targets
- Cash Cycle Drift — how CCC deteriorates gradually without triggering any alert
- Management Reporting — how to present these numbers so they drive decisions