Working Capital Needs Calculator

Your working capital is used to pay short-term obligations such as your accounts payable and buying inventory. If your working capital dips too low, you risk running out of cash. Even very profitable businesses can run into trouble if they lose the ability to meet their short-term obligations. Enter your current assets and liabilities and the Working Capital Calculator can help you determine your cash flow needs for the next year.

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There is no one-size-fits-all plan, see some common guidelines and benchmarks.

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A financial planner can be a valuable resource to help you with your financial goals.

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8 common investing mistakes

This strategy can be beneficial in the short-term, but it’s important to work with a financial advisor to reach your financial goals.

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Key considerations for a solid financial plan

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Calculator disclosure: This calculator is intended for informational purposes only and is not intended to provide today's actual rates. Your actual results may vary. Results provided by this calculator are intended for Illustrative purposes only and the accuracy is not guaranteed. This calculator does not assure the availability of or your eligibility for any specific product offered by Citizens or its affiliates, nor does the calculator predict or guarantee the actual rate.

You are viewing a third-party created calculator. Citizens assumes no responsibility for, nor does it control, endorse or guarantee any aspect of your use of this calculator.

Citizens Wealth Management: Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. (“Citizens”). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. (“CSI”), a registered broker-dealer and SEC registered investment adviser - Member FINRA / SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC (“CFA”), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC (“EPS”) or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.

SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE:
· NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE