Enter Business Financials

Fill in your operating cycle details to calculate working capital requirement

Annual Revenue (₹)

₹

Total annual sales revenue

Cost of Goods Sold (₹ per year)

₹

Annual cost of goods sold or raw materials consumed

Operating Cycle (Days)

Raw Material Holding Days

days

Average days raw materials are held before production

Work-in-Progress (WIP) Days

days

Average days goods remain in production

Finished Goods Holding Days

days

Average days finished goods are held before sale

Receivable Collection Days

days

Average days to collect payments from customers

Payable Deferral Days

days

Average days taken to pay suppliers

Safety Margin / Contingency (%)

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

Working Capital Requirement Calculator

Enter Business Financials

Operating Cycle (Days)

Your Working Capital Requirement

Working Capital Formula

Industry Benchmarks