Wedding photography Working Capital Gap
Surplus after buffer = current assets − current liabilities − desired buffer
Gather production schedules, vendor quotes and editing logs. Include shoot coverage, editing, and travel. The starting figures are examples. Replace them with your own records.
Formula and worked example
Surplus after buffer = current assets − current liabilities − desired buffer
| Input | Example |
|---|---|
| Current assets | 75,000 |
| Current liabilities | 45,000 |
| Desired additional liquidity buffer | 20,000 |
| Calculated result | 10,000 |
Choose reliable inputs
Include preparation, delivery and post-production rather than shoot or event time alone. For this wedding photography calculation, use production schedules, vendor quotes and editing logs and a consistent definition of one booking.
- Shoot coverage: include the portion belonging to this booking or reporting period, and record where the value came from.
- Editing: include the portion belonging to this booking or reporting period, and record where the value came from.
- Travel: include the portion belonging to this booking or reporting period, and record where the value came from.
Use the same currency for every money input. Do not mix weekly costs with monthly revenue, or count the same expense in both an itemised cost and allocated overhead.
Is working capital equivalent to money in the bank?
Inventory and receivables need conversion into cash. Review asset quality and payment timing separately.
Current assets may include illiquid stock or disputed receivables; this is not available cash.
What if this input changes?
If current assets rises by 10%, this example changes by 7,500 . This shows the effect of one change; it does not predict what will happen.
Open the calculator, save your baseline, then change the input supported by the least reliable estimate in your records. Compare both scenarios before committing to a price or capacity promise.