Payment-terms & cash-gap calculator

From your receivable and payable terms, estimate the working capital you need and your cash position over the next 13 weeks. Compare the effect of pushing payments later with a card.

Monthly sales (ex-tax) Gross margin (%) Receivable (sales) terms Payable (purchases/subcontract) terms

Average days to close（売上） Days from close to payment（売上）

Average days to close（仕入） Days from close to payment（仕入）

Inventory days (0 for services) Fixed costs (monthly, rent/salary etc., excl. purchases) Cash on hand Expected collection delay (days) Amount/month to move to card payment (optional) That card's close / debit

Enter monthly sales and your terms to see required working capital and the 13-week projection.