Working Capital Management Tool
Enter your current assets and liabilities to calculate working capital, current ratio, quick ratio, and more — instantly. Saved in your browser, no login needed.
Current Assets
Current Liabilities
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Additional Metrics (optional)
Required for Working Capital / Sales ratio and Inventory Turnover
Working Capital
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Current Ratio
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Enter liabilities
Quick Ratio
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Enter liabilities
Current ratio vs. quick ratio
A healthy current ratio with a low quick ratio means most of your liquidity is tied up in inventory. If that inventory moves slowly, your true liquidity position is weaker than the current ratio suggests. Track both.
Working capital cycles with revenue
Working capital isn't static — it expands as you collect receivables and contracts when you pay suppliers. Seasonal businesses often see their working capital turn negative before peak season. That's normal; the risk is not having a line to bridge the gap.
Lenders use these ratios to set limits
Banks often require a current ratio above 1.2 and positive working capital as covenants on term loans. Alternative lenders look at the same ratios to determine advance rates on asset-based lines. Keeping these metrics healthy opens better financing options.
Frequently Asked Questions
Related Resources
Cash Conversion Cycle
See how long cash is tied up moving through inventory and receivables.
Financial Ratios Calculator
Benchmark current and quick ratios against industry standards.
Financial Health Checklist
Assess overall financial readiness before applying for financing.
Business Loan Calculator
Model the repayment on a working capital or short-term loan.
Working capital holding back your growth?
A revolving line of credit or invoice factoring can restore positive working capital fast — without waiting for receivables or selling assets. A Pezzula advisor can match you to the right product.