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Working Capital Calculator
Check your business's financial health instantly. Enter your assets and liabilities to see your working capital and compare against industry standards.
Your Business Metrics
Cash + Accounts Receivable + Inventory
Accounts Payable + Short-term Debt
Select your industry for benchmark comparison
Financial Health Score
Higher ratios indicate stronger financial health. A ratio above 1.5 is generally considered healthy.
Working Capital i Your current assets minus current liabilities. This shows how much liquid cash your business has available. Positive = healthy!
Financial Health Status i Overall assessment of your working capital based on your ratio and industry benchmarks. Higher ratios indicate stronger financial health.
What This Means i Practical interpretation of your working capital position and what actions you should consider for your business.
Financing Options
What is Working Capital?
Working capital is the difference between your business's current assets and current liabilities. It represents the liquid assets available to meet day-to-day operational expenses and short-term obligations. Positive working capital indicates that your business can cover its short-term debts and has resources for growth, while negative working capital may signal cash flow challenges. A healthy current ratio (assets divided by liabilities) is typically 1.5 or higher, though ideal ratios vary by industry. Managing working capital effectively is crucial for business stability, growth, and the ability to seize new opportunities.