Determine Your Working Capital Requirements Calculator

small buisness owner determing Working Capital Requirements

You want your business to be healthy and grow.

What is a sign of a healthy business? A working capital calculator can show you the amount of capital you have to invest back into your business and employees or, on the flip side, if you need to reduce your liabilities.


Your business can do more with enough working capital, also known as total assets minus current liabilities. You’ll then find your current ratio by dividing current assets by current liabilities. Your business should aim to have a current ratio between 1.2 and 2. To determine your working capital and current ratio, you’ll need your annual growth rate, total assets and total liabilities.


Frequently Asked Questions:


How do you calculate working capital?

Working capital is calculated by subtracting current liabilities from current assets.

Why is working capital important?

Working capital is a sign that your business is healthy. If your business doesn’t have enough readily available assets compared to debt, you may have trouble paying bills. If you, however, have too much working capital, you may not be investing your assets as efficiently as you could be.

Learn more about business banking with SouthState.

  • © Fintactix, LLC 2022
  • This calculator is an illustrative tool meant for educational purposes only. The default figures and examples shown are hypothetical and may not be applicable to your individual situation. Furthermore, these calculations may not reflect the terms available for any loan, investment or other financial product offered by SouthState Bank, N.A. (the “Bank”). The calculations do not infer that the Bank assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.
  • This content is general in nature and provided for informational use only. Content may be used in connection with the advertising and marketing of products and services offered by SouthState Bank, N.A. and its subsidiaries and affiliates. This is not to be considered legal, tax, accounting, financial or investment advice. You should seek individualized advice from personal financial, legal, tax and/or other professionals, as appropriate depending on the specific facts of your situation. We do not make any warranties as to the completeness or accuracy of this information and have no liability for your use of this information.

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