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Amazon FBA Cash Flow Calculator

See exactly when money leaves vs when it arrives: your cash balance day by day for the next 180 days, with the supplier deposit and balance, freight, Amazon payouts after the DD+7 hold, and the lowest point of your cash with its date.

Product & Amazon payouts

Referral + FBA fulfillment (with the 3.5% surcharge and any peak fee) + storage. Work it out in the Profit Calculator →
Check Payments > Disbursement schedule in Seller Central.
DD+7 explained: Since March 2026, Amazon holds funds for 7 additional days after the buyer receives the product. Your cash cycle: Ship → Delivery (3-7 days) → DD+7 hold (7 days) → wait for the next disbursement (0-14 days) = about 10-28 days from shipment to cash.

Cash & inventory order

0 for a first order (launch).
Sales made before the start date that Amazon has not paid out yet. Blank: assumed from your daily sales. Enter 0 if you have not sold yet.
Ad spend charged to your card, software, 3PL.
Paid on the order date. The rest is the balance.
Usually when production ends and the goods ship.
Paid with the balance. Add import duty per unit here if it is not in your COGS.

Lowest cash point Forecast · counted by code from your inputs

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    Cash you need at the start

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    What DD+7 costs you

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    Days from sale to payout

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    Cash balance, next 180 days Forecast · counted by code from your inputs

    With your DD+7 setting Without DD+7 Supplier payment Order arrives at FBA Lowest point
    Week-by-week table

    Why not paste this into ChatGPT?

    • A dated schedule, not a rule of thumb. Every sale is paid out after delivery plus the DD+7 hold (in force since Mar 12, 2026), on your payout day, for each of the next 180 days.
    • Your order is in the math. The supplier deposit, the balance, freight, the lead time and the stock already at FBA are all counted, so the page finds the lowest point of your cash and its date.
    • Same numbers every time. It is arithmetic in code: the same inputs give the same balance on every run.
    • Your numbers stay here. What you type is not sent to us or to an AI model.

    Honest note: a chat assistant with a code tool can run a similar simulation if you describe every payment to it. This page already has the payout rules built in and can take your numbers from the Profit Calculator. Payout cadence, lead time and supplier terms are your inputs, not Amazon facts.

    Why Cash Flow Management Matters for Amazon FBA Sellers in 2026

    Cash flow is the lifeblood of any Amazon FBA business. Unlike traditional retail where payment happens at the point of sale, Amazon sellers face a significant gap between spending money on inventory and receiving revenue. With the introduction of DD+7 (Delivery Date + 7 days) in March 2026, this gap has widened even further, putting additional pressure on working capital.

    The DD+7 policy means Amazon now holds your funds for 7 additional days after the buyer confirms delivery. Combined with typical shipping times (3-7 days) and the wait for the next disbursement (up to 14 days on the standard cycle), sellers can wait 10-28 days from shipment to actually receiving cash. A seller moving 50 units a day at $10 COGS has roughly $10,000 of inventory cost waiting to come back at any time.

    This calculator helps you visualize exactly when money leaves your account versus when it comes back, identify your working capital gap, and plan accordingly. Whether you're considering inventory financing, adjusting your reorder cycle, or evaluating whether DD+7 impacts your business viability, understanding your cash flow cycle is the first step.

    How the Amazon FBA Cash Flow Calculator Works

    Enter your product's price, daily sales, COGS and Amazon fees per unit, then your cash today, the stock already at FBA, the payouts Amazon still owes you and your next purchase order: units, supplier deposit, when the balance and freight are due, and the lead time until the units are sellable at FBA. The calculator runs your cash balance day by day for the next 180 days. Each sale is paid out after delivery plus the 7-day DD+7 hold, on your next payout day. With "Keep reordering" on, it places the same order again when stock plus open orders falls below the sales of one lead time.

    The chart shows your balance with your DD+7 setting and, for comparison, without DD+7. The page names the lowest point of your cash and its date, the cash you need at the start, and how much DD+7 lowers the lowest point. The verdict is green, yellow or red based on that lowest point, and the week-by-week table shows the payouts in, the payments out, the lowest balance and the cash Amazon still holds for each week.

    Frequently Asked Questions

    What is DD+7 and how does it affect my cash flow?
    DD+7 (Delivery Date + 7 days — "DD" is the confirmed delivery date, not disbursement) is an Amazon policy that rolled out to North American sellers in March 2026. Amazon holds an order's funds until 7 days after the buyer's delivery is confirmed, then includes them in your next disbursement. This adds about 7 days to your wait from shipment to payment - roughly 10-28 days instead of 3-21 - which raises your working capital needs.
    How much working capital do I need for FBA?
    Working capital needs depend on your daily sales volume, product costs, payment cycle and supplier terms. A quick rule: multiply your daily inventory cost (COGS × units sold per day) by your average days-to-payment. FBA and referral fees are deducted from your payout, so they don't need cash up front. With DD+7 in 2026, sellers typically need 3-4 weeks of inventory costs as working capital. That rule leaves out the supplier deposit, the balance, freight and the stock waiting at FBA, so this calculator adds them day by day and shows the lowest point of your cash balance and its date.
    Can I change my Amazon disbursement schedule?
    Amazon's default disbursement cycle is every 14 days, but some sellers may have 7-day or 30-day cycles based on account history and standing. You can check your current schedule in Seller Central under Payments > Disbursement Schedule. Switching to a 7-day cycle (if available) is one of the best ways to reduce your working capital gap.
    What strategies help manage FBA cash flow gaps?
    Key strategies include: negotiating longer payment terms with suppliers, using Amazon Lending or third-party inventory financing, maintaining a cash reserve equal to at least one payment cycle's costs, switching to a 7-day disbursement cycle if eligible, reducing shipping times to speed up the cash cycle, and diversifying sales channels to reduce dependence on a single payment schedule.
    Is this calculator free to use?
    Yes, the Cash Flow Calculator is 100% free with no account required. It runs in your browser: the numbers you type are not sent to us or to any AI model. Like every page on this site, page visits are counted. Use it as many times as you need for different products or scenarios.
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