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Business Planning tool

Working Capital Gap Tool

Estimate a current-assets versus current-liabilities gap.

Your inputsBuild a realistic scenario
Scenario referenceBusiness Planning decision model

Working capital = Current assets − Current liabilities

Start with a conservative case, then test the upside separately.
Live estimateYour scenario
● Updates instantly
Working capital-$17,000.00
Funding gap$17,000.00
Decision tip

Record the assumption behind the result before comparing another option.

✓ Free to use✓ No account or saved data✓ Formula shown below
A quick workflow

Run a better scenario before you decide

Enter your current figures or scenario assumptions. Results update instantly, so you can compare a few realistic options and identify the input that actually changes the conclusion.

01
Set a baseline

Use a known current figure.

02
Change one driver

Keep the comparison clear.

03
Choose the next step

Use the evidence, not a guess.

Transparent calculation

The calculation used in this tool

CORE FORMULAWorking capital = Current assets − Current liabilities

This highlights a near-term gap, not total business solvency. Review when receivables are actually collectible and payments fall due.

Practical use

Turn the scenario into a more confident plan

Compare practical options

Use the same baseline across two scenarios so the difference is easy to explain.

Set a decision threshold

Decide in advance what result would change the next action, budget or priority.

Document assumptions

Save the source figures and time period so you can revisit the scenario later.

Use with care

What this planning estimate does not include

This tool makes its assumptions visible, but it cannot replace the terms, local rules, tax treatment or operational data that apply to your situation. Confirm material decisions with the relevant source records or adviser.

Values are calculated in your browser. No account or data upload is required for this tool.

Continue the analysis

Check the numbers behind this decision

Pair this scenario with a related calculator or planning tool before you commit.

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