Combine inventory days, receivable days, and payable days to see how long your cash is tied up in operations before it comes back.
Cash conversion cycle = DIO + DSO − DPO. It's the number of days between paying for inventory and collecting cash from the sale. Lower is better; a negative CCC (like some big retailers) means suppliers effectively finance your operations. General information only.
The cash conversion cycle ties three metrics together: how long inventory sits (DIO), how long customers take to pay (DSO), and how long you take to pay suppliers (DPO). Add the first two and subtract the third for the days your own cash is locked in the business. Shorter frees cash; negative means suppliers fund you.
CCC = DIO + DSO − DPO
Sell inventory faster (lower DIO), collect from customers sooner (lower DSO), and negotiate longer supplier terms (higher DPO) — without damaging relationships or risking stockouts.
Yes — businesses that collect from customers upfront and pay suppliers later (some retailers and subscriptions) run negative cycles, effectively getting free financing.
Related: days sales outstanding calculator · days inventory outstanding calculator · working capital calculator · all free calculators.
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