Working Capital Health Check Calculator by CapAid

Measure DSO, DPO, DIS, NOWC & CCC, and get actionable credit policy recommendations to unlock cash from operations.

Calculator Inputs
Input Values From Your Balance Sheet
Results
The number of days that customers take to pay their invoices.

0

DSO (days)
The number of days that a company has its product in stock.

0

DIS (days)
The number of days a company takes to pay its suppliers.

0

DPO (days)
Cash Conversion Cycle = DSO + DIS − DPO; the average days cash is tied up in operations.

0

CCC (days)
Net Operating Working Capital = AR + Inventory − AP; euros tied up in operations.

€0

Net Operating Working Capital (NOWC)
The % of sales that stays stuck in receivables and inventory after paying suppliers.

0%

NOWC/Sales %
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Days Sales Outstanding (DSO)
The number of days that customers take to pay their invoices.

0

(days)
Approximate cash released if you cut DSO by 1 day. Calculated as Sales ÷ 365.
€0
One-day value
Formula: DSO = (Accounts Receivable ÷ Annual Sales) × 365
—
Finnish Manufacturing Benchmarks: Top 25%: <20.5 | Above avg: 20.5–36.7 | Below avg: 36.7–50.7 | Bottom 25%: >50.7 days
EU Law Reference: EU payment terms law recommends 30 days as standard payment period
Days Payable Outstanding (DPO)
The number of days a company takes to pay its suppliers.

0

(days)
Approximate extra supplier credit if you extend DPO by 1 day. Calculated as COGS ÷ 365.
€0
One-day value
Formula: DPO = (Accounts Payable ÷ COGS) × 365
—
Benchmarks: Bottom 25%: <28.3 | Below avg: 28.3–45.3 | Above avg: 45.3–59.3 | Top 25%: >59.3
EU Law Reference: EU payment terms law recommends 30 days as standard payment period
Supplier Relationship Balance: Longer DPO helps cash flow, but pay on time to protect supply.
Days in Stock (DIS)
The number of days that a company has its product in stock.

0

(days)
Approximate cash released if you reduce inventory by 1 day. Calculated as COGS ÷ 365.
€0
One-day value
Formula: DIS = (Inventory ÷ COGS) × 365
—
Benchmarks: Top 25%: <40.1 | Above avg: 40.1–91.5 | Below avg: 91.5–141.6 | Bottom 25%: >141.6
Inventory Optimization Balance: Lower DIS reduces carrying costs; ensure service levels to avoid stockouts.
NOWC/Sales %
The % of sales that stays stuck in receivables and inventory after paying suppliers.

0%

Total Net Operating Working Capital currently tied up in operations: AR + Inventory − AP.
€0
NOWC value
Formula: NOWC = AR + Inventory − AP; NOWC/Sales % = (NOWC ÷ Sales) × 100
—
Benchmarks: Top 25%: <8% | Above avg: 8–17% | Below avg: 17–25% | Bottom 25%: >25%
Growth Capital Requirement: For each €1M sales growth: 0% × €1,000,000 = €0 additional working capital needed
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Working Capital Reduction Promise
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Predefined API's

  • Internal Accounts Receivable data
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  • DSO status and development
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Know more than your customer about their KPI's:
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80%+
Work reduction
30%
Improvement in payment terms
50%
Reduction in bad debt
50%+
Reduction in overdue payments
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