30-yr fixed 6.43% ▾ 0.06 wk

15-yr fixed 5.79% ▾ 0.04 wk

HELOC avg 7.90% — no change

Auto 60-mo new 6.82% ▴ +0.03 mo

Personal 24-mo 11.57% ▾ 0.12 qtr

Credit card APR 21.52% ▴ +0.09 qtr

as of Jul 2, 2026 · Federal Reserve / Freddie Mac via FRED (St. Louis Fed)

Business Calculators

Working Capital Needs Calculator

Estimate the cash your business must tie up in its operating cycle — inventory and receivables, less what suppliers finance through payables.

Inputs

Annual operating costs (COGS)

Days inventory held

Days to collect receivables

Days to pay suppliers

Estimates only. Change any value to recalculate instantly.

Working capital needed $90,411 to fund a 55-day cash conversion cycle

Cash conversion cycle 55 days

Tied up in inventory $73,973

Tied up in receivables $65,753

Financed by payables $49,315

The operating cycle

Inventory $74k
Receivables $66k
Payables (offset) $49k

Your cash conversion cycle is 55 days — the time between paying for inputs and collecting from customers. Shortening it (faster collections, leaner inventory, or longer supplier terms) frees up cash without borrowing.

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.