Debtor Days Calculator
How many days customers take to pay (DSO), from receivables and credit sales, and the cash tied up.
Debtor days
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Cash released at target days—
Receivables turnover—
How to use the Debtor Days calculator
- Enter trade receivables now, credit sales in the year and target days.
- Read the debtor days at the top of the result, with cash released at target days, receivables turnover underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
High debtor days mean your cash is funding your customers. The release line shows the cash you'd free by collecting faster.
Formula: Debtor days = receivables ÷ credit sales × 365
Worked example
With trade receivables now of ₹18,00,000, credit sales in the year of ₹1,20,00,000 and target days of 45:
| Debtor days | 55 days |
| Cash released at target days | ₹3,20,548 |
| Receivables turnover | 6.7 × a year |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
What is a good debtor days figure?
Close to your credit terms. If you offer 30 days and average 75, collections need attention.
How do I reduce debtor days?
Invoice promptly, follow up before due dates, offer small early-payment discounts, or use TReDS for large buyers.