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Working Capital

The working capital ratio can give an indication of the ability of your business to pay its bills.

Use information from your business' annual balance sheet to input into the calculator.

For information on using this calculator see below.

Working Capital Ratio Calculator

Input current assets amount $ Field required
Input current liabilities amount $ Field required

A red star Field required indicates a mandatory field.
reset  calculate

Generally a working capital ratio of 2:1 is regarded as desirable. However the circumstances of every business vary and you should consider how your business operates and set an appropriate benchmark ratio.

A stronger ratio indicates a better ability to meet ongoing and unexpected bills therefore taking the pressure off your cash flow. Being in a liquid position can also have advantages such as being able to negotiate cash discounts with your suppliers.

A weaker ratio may indicate that your business is having greater difficulties meeting its short-term commitments and that additional working capital support is required. Having to pay bills before payments are received may be the issue in which case an overdraft could assist. Alternatively building up a reserve of cash investments may create a sound working capital buffer.

Ratios should be considered over a period of time (say three years), in order to identify trends in the performance of the business.

The calculation used to obtain the ratio is:

Working Capital Ratio =

   Current Assets   
  Current Liabilities


NOTE: The calculator is provided for illustrative purposes only and the calculations are based on the accuracy of the information provided by you. The information about the calculators and the results of the calculations are necessarily general and are only intended as a guide. When deciding on what your business will do, many factors need to be considered, including your business' situation and financial position.

ANZ will not store the information provided in this calculator.