Financial Calculators
Nine professional tools wired to the concepts in the guides. Change an input, watch the decision change.
Balance sheet items
Annual flows
Days Inventory (DIO)
45 d
Days Sales (DSO)
40 d
Days Payable (DPO)
40 d
Cash Cycle (CCC)
45 d
Where the days go
Inventory days + collection days form the gross cycle; supplier credit hands part of it back.
Inventory 45d
Collect 40d
Gross operating cycle: 85 days
Supplier credit 40d
Financed by suppliers for 40 of those days
CCC 45d
Net cash conversion cycle: 45 days of cash tied up per sales dollar
Working capital tied up
$270,000
≈ CCC/365 × annual revenue, financed continuously
Cash freed per 10-day cut
$60,000
Shave ten days off the cycle, release this much cash
Levers: cut DIO with better forecasting and slower-moving SKUs; cut DSO by invoicing instantly and enforcing terms; raise DPO by taking — but not stretching — full supplier terms. Compare your cycle with peers before judging: 60 days is normal for machinery, alarming for groceries.