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Marketplace Seller Cashflow Calculator

Estimate the cash gap a seller may need to fund while costs are paid before marketplace payouts arrive.

Estimate the cash gap created when costs are paid before marketplace payouts arrive.

Enter sales, cost timing and payout delay

Weekly gross sales ($) Payout delay (days) COGS as share of sales (%) COGS paid before sale (days)

Advanced weekly cash costs

Marketplace and payment fees (%) Ad spend per week ($) Shipping paid before payout ($/week) Starting cash reserve ($)

Estimated cash gap

$0.00

Cash timing ledger

Formula: cash gap = upfront costs during the cycle - payout received during the same cycle - starting reserve.

For beginners: how to read this result

Profit is not cashA profitable order can still create a short-term funding need.

Delay expands the gapMore payout days means more sales are waiting to be paid out.

Reserve offsets riskStarting cash reduces the additional money needed for the cycle.

Seller cashflow is a timing problem: inventory, ads and shipping can leave your account before the payout arrives. This calculator estimates the funding gap for one sales cycle using your own payout delay and cost timing.

Use it for planning

Change sales volume, cost share and payout days to see how growth or a seasonal restock changes the cash reserve you need. The result is a planning estimate, not financing advice.

What is not included

It excludes taxes, loans, chargebacks and bank settlement rules unless you add them into the weekly cost fields.