Cash Conversion Cycle Calculator

Instantly see how many days cash is tied up in your operations — browser-only, no signup.

Planning estimate only. Confirm final figures with your accountant or CFO before making financial decisions.

Inputs

Avg. days to collect payment from customers

Avg. days inventory is held before sale

Avg. days taken to pay suppliers

Results

Adjust inputs to see results.

Formula

DSO measures how long it takes to collect from customers. DIO measures how long inventory sits before a sale. DPO measures how long you take to pay suppliers. Subtract DPO because supplier credit offsets the cash you've deployed.

A lower CCC means cash returns faster. A negative CCC means you're funded by supplier credit — a powerful position, but one that depends on maintaining sales volume.

Real-World Benchmarks

Compare your result against well-known companies.

Amazon

−24

E-commerce · days

Walmart

−16

Retail · days

Apple

−73

Consumer Tech · days

General Mfg.

45–75

Manufacturing · days

SaaS avg.

20–45

Software · days

Frequently Asked Questions

How accurate is this calculator?

It uses browser-side arithmetic for planning and estimation. Always confirm final numbers with your accountant or financial advisor for decisions with legal or tax impact.

What does a negative CCC mean?

A negative CCC means you collect cash from customers before paying suppliers — effectively funding operations with supplier credit. This is common in large retailers (Amazon, Walmart) and subscription software businesses. It's a strong position, but dependent on maintaining volume and payment terms.

How do I improve my CCC?

Three levers: (1) Reduce DSO by invoicing faster and offering early-payment discounts. (2) Reduce DIO with tighter inventory forecasting and faster turnover. (3) Increase DPO by negotiating longer payment terms with suppliers — without straining relationships.

What period should I use in the "From Financials" tab?

Use 365 for annual analysis (most common), ~90 for quarterly, or ~30 for monthly. Ensure all financial inputs (inventory, COGS, A/R, revenue, A/P) use the same period as the period length you enter.

Can I trust these results for financial reporting?

No — this is a planning and scenario tool. It produces estimates for internal analysis, not audited figures. For financial reporting, use verified data from your accounting system or advisor.

Sources & Methodology

Calculations follow standard working capital accounting. References: