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Working Capital Calculator

Use business banking tools to calculate working capital needs

Are you trying to calculate the working capital needed to keep your business healthy? Your net working capital calculation represents the relationship between your current assets and current liabilities. Positive net working capital, or the point where your current assets exceed current liabilities, is essential for managing short-term expenses such as accounts payable and inventory. If your net working capital dips too low, you risk running out of cash. However, a small business loan or line of credit can help you boost your working capital to give you the funds you need during lulls or growth periods.

The Working Capital Calculator from Citizens Bank will assist you in determining how much of a loan you should apply for to cover working capital needs for the next year. Simply enter your desired annual growth rate, current assets and current liabilities, and your target current ratio to find out what you need. Contact a Business Banking Representative today to learn more about how our business lines of credit can help cover your working capital costs and more.

This calculator is intended for informational purposes only and is not intended to provide today’s actual rates. It is an estimate of your monthly payment and may differ from your actual monthly payment.



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