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Free Tool — Cash Conversion Cycle

Cash Conversion Cycle Calculator

How many days does your cash sit tied up in inventory and receivables before you collect it? This is the number that tells you whether — and how much — line of credit you actually need.

The formula: Cash Conversion Cycle = Days Inventory Outstanding + Days Sales Outstanding − Days Payable Outstanding. It measures the gap between when you pay your suppliers and when you collect from your customers. This tool uses year-end (or average, if you have it) balance sheet figures — for a more precise number, use the average of your beginning and ending balances.
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Days of Cash Tied Up
DIO (Inventory)
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DSO (Receivables)
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DPO (Payables)
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For educational purposes only. This calculator uses simplified point-in-time balances rather than period averages, and a straight 365-day year. Actual working capital needs depend on seasonality, growth rate, and the specific timing of cash flows within the year. Nothing here constitutes financial advice or a discouragement from applying for credit. Every person has the right to apply for credit from any lender.