Interactive calculator
Creditor days calculator
Estimate the average number of days before supplier bills are paid.
Last reviewed 1 October 2026
Illustrative result
- Estimated creditor days
- 15.0 days
Compare this average with supplier terms and overdue bills; it is not a suggested payment delay.
How to use this tool
Creditor days = trade payables ÷ credit purchases × days in the period.
A simple example
$28,000 payables on $168,000 credit purchases over 90 days is 15 creditor days.
Assumptions and limits
This is an average, not a payment target. Check agreed supplier terms and overdue balances separately.
General information only. Check your own records and speak with a qualified professional where the decision depends on accounting, tax, legal or financial advice.