Tools & calculators
Quick answers to everyday finance questions.
Calculations run in your browser — nothing you type is sent to us.
Working capital & cash cycle
Receivable, inventory and payable days and your cash conversion cycle.
Receivable days73 days
Inventory days61 days
Payable days38 days
Cash conversion cycle96 days
Working capital tied up (rec. + inv. − pay.)₹ 1,50,00,000
Cash released by cutting 10 receivable days₹ 16,43,836
Each rupee is locked in the business for about 96 days before it returns as cash.
Loan EMI
Monthly instalment, total interest and total repayment.
Monthly EMI₹ 22,244
Total interest₹ 3,34,667
Total repayment₹ 13,34,667
Reducing-balance method, monthly rests. Your bank's figure can differ slightly with fees and rounding.
Break-even
Sales needed to cover fixed costs at your contribution margin.
Contribution per unit₹ 30
Contribution margin30.0%
Break-even units per month10,000
Break-even sales per month₹ 10,00,000
A 5% price cut would need 20% more units to earn the same contribution.
DSCR
Debt service coverage ratio for a term loan.
Cash available for debt service₹ 59,00,000
Debt service (principal + interest)₹ 29,00,000
DSCR2.03
Comfortable for most lenders. Lenders apply their own norms.
Current ratio & net working capital
Short-term liquidity at a glance.
Current ratio1.42
Net working capital₹ 52,00,000
At or above 1.33 — a common bank benchmark for working-capital limits.
Free business health score
Get my score An indicative score from a few numbers, in two minutes.
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Bebaak Cash and Capital do these calculations from your trial balance automatically.