casey-hero-image-hospitality-female-male-business-owner-optimised.png

Working capital calculator

If you’re looking at working capital, this helps you estimate repayments and total cost before you enquire.
Enter your assumptions below — results are estimates only.

To keep this useful, this page stays focused on the numbers — not what you’ll be approved for.

Crunch the numbers

Estimate repayments for a working capital style term facility. Adjust the amount, term, interest rate and repayment frequency.

Working capital calculator
Working capital amount
Repayment term (months)
Interest rate (% p.a.)
Repayment frequency
$0.00 / month
Total interest (estimate) $0.00
Total to repay (estimate) $0.00
No obligation · Consent-first · Business use only
Estimates only. Excludes fees and charges. Actual pricing and repayment schedules vary by lender, business profile, and assessment.

Use this to sense-check affordability for working capital. If repayments feel tight, the safest next step is an eligibility check so we can confirm what’s realistic before you spend time applying.

A simple way to sanity-check the result

  • If the repayment only works at a very low rate, slow down and sense-check your assumptions.

  • Compare total interest and total amount to repay, not just the weekly/monthly figure.

  • If cash flow is uneven month-to-month, choose a repayment frequency you can actually stick with.

When this calculator is the right tool

This is best for working capital that behaves like a term loan (principal + interest paid down over a fixed term).

If you’re exploring working capital more broadly, start here: Working capital business loans →

If the estimate looks close, the next step is checking eligibility

You’ll get clarity on what’s realistic for your situation before anything proceeds.

Check Eligibility (30 sec)

No obligation · Consent-first

Compliance & consent

Nothing proceeds without your consent. If you’re unsure what rate or term to use, you can still check eligibility and we’ll guide you on what matters.