Working Capital & Cash Runway Calculator

What these numbers mean

Cash cycle is how many days sit between you paying a vendor and getting paid by a customer — inventory days plus AR days, minus how long you can stretch payables. Every extra cycle day requires more working capital. Most small businesses run a 30–60 day cash cycle.

Working capital need is roughly your daily opex times your cash cycle days — that's how much cash you should keep on hand just to keep the lights on between when money goes out and when it comes back in.

If you're short, a business line of credit is almost always the right tool — you draw only what you need, pay interest only on what's drawn. See working capital financing options.