Profitable businesses fail by running out of cash. Profit is an accounting result; cash is a bank balance, and the gap between them is where most avoidable insolvencies live. These calculators measure that gap.
Which one you want
Operating Cash Flow and Free Cash Flow show what the business actually generates once working capital and capital expenditure are accounted for — FCF being the figure that funds growth or repays debt. Cash Conversion Cycle and DSO measure how long cash is trapped between paying suppliers and collecting from customers; shortening that cycle releases cash without raising a round. Working Capital sizes the buffer the business needs to keep operating, Invoice Discount prices the trade-off in offering early-payment terms, and Budget Variance compares plan against actual so a shortfall is caught in month two rather than month six.
What the numbers mean
A rising DSO is one of the earliest reliable warnings in a small business: it usually means either collections have slipped or customers are themselves under pressure, and both worsen quietly. A negative cash conversion cycle — collecting from customers before paying suppliers — is a genuine structural advantage, and is a large part of why subscription and marketplace models can fund growth from operations that a traditional retailer cannot.