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Stock And Book Debt Statement Calculator

Work out stock and book debt statement instantly with clear inputs, formula shown and shareable results.

About Stock And Book Debt Statement Calculator

The monthly stock and book debt statement applies different margins to each asset class — commonly 25% on paid stock and 40% on debtors — and excludes receivables beyond ninety days entirely as ineligible security.

Formula

Statement based drawing power

DP = (stock - creditors) × 75% + debtors within 90 days × 60%

Worked example

With the default values below, Stock And Book Debt Statement Calculator returns Drawing Power From The Statement of $74,250,000.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Stock Valueminimum 0
90,000,000
Debtors Within 90 Daysminimum 0
55,000,000
Debtors Over 90 Daysminimum 0
15,000,000
Creditors For Goodsminimum 0
35,000,000

Results

Drawing Power From The Statement
$74,250,000.00
Contribution From Stock
$41,250,000.00
Contribution From Debtors
$33,000,000.00
Debtors Excluded For Ageing
$15,000,000.00

Step by step

  1. 1Values used
  2. 2Statement based drawing power
  3. 3Drawing Power From The Statement= 74,250,000.00
  4. 4Contribution From Stock= 41,250,000.00
  5. 5Contribution From Debtors= 33,000,000.00
  6. 6Debtors Excluded For Ageing= 15,000,000.00

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.

Frequently Asked Questions

Why are aged debtors excluded?

Because collectability deteriorates sharply beyond the normal credit period, so they are poor security.

What happens if the statement is filed late?

Banks typically freeze drawing power at the last certified level or charge a penal rate until it is submitted.

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