F-04 · FAvailable now

Working Capital Planner

Establishes how much cash the next stage of growth will absorb, and when that cash needs to be available.

Working calculator · F-04

Working Capital Planner

Estimate how additional turnover could change the operating cash tied up in receivables, stock/WIP and supplier credit.

Your standard report is generated privately in your browser; worksheet answers are not uploaded for the standard report. M-02 and M-04 also offer optional AI-assisted analysis, which sends worksheet answers to an external AI service only with your explicit consent. AI suggestions require independent verification. Download your report before leaving this page.

Business name (optional, printed on the report)

Current monthly sales (£) Net of VAT, for a representative month.Monthly cost of sales (£) Purchases and direct costs related to sales; for services, inventory days may be zero.Average debtor collection days Use actual trade-receivable days, not payment terms alone.Stock / work-in-progress holding days Use 0 if neither stock nor material WIP is relevant.Trade creditor payment days Only payable operating purchases/direct costs; not all liabilities.Planned turnover growth (%) Comparison at a new steady-state run rate; no growth timing assumed.Available discretionary working-capital funding (£) Available cash/facility headroom excluding essential minimum reserves.

What the report measuresUses a steady-state 30-day month and constant debtor, inventory and creditor days. Direct operating costs are used as the approximation for inventory and supplier payables. Results exclude VAT, tax, financing and seasonal peaks; negative net working capital is shown, not silently floored at zero.