Put a number on the finance work your team still does by hand.
Three connected engines — order-to-cash, record-to-report, and reconciliation — modelled on your own volumes. Adjust the inputs and watch cash released, hours returned, and annual savings move in real time.
Your receivables position
Six inputs from the balance sheet and the treasury team. Everything else is derived.
With Bluecopa Order-to-Cash
Cash released from receivables
Cash released, three ways
How your own target compares with the industry benchmark and with Bluecopa's modelled reduction.
How this is calculated
- Current DSO
= (A/R ÷ revenue) × 365, using the trailing-twelve-month revenue you entered. - One DSO day
= revenue ÷ 365. Cash released= one day × days removed, a one-time working-capital release. - Annual carrying-cost savings
= cash released × WACC— the recurring benefit of not funding that balance. - Bluecopa's modelled reduction scales with how much of your A/R is past due:
DSO × (8% + 12% × past-due share), capped at your best-in-class benchmark and at 25 days. - Best-in-class DSO figures are planning references for sizing an opportunity, not audited industry statistics. Replace them with your own benchmark data before using this in a business case.
Your close cycle
What it currently costs to get from period end to signed-off numbers.
With Bluecopa Record-to-Report
Annual close-effort savings
Where the close time goes
Effort split today versus after the manual layer is automated.
How this is calculated
- Manual hours per year
= FTEs × 2,080 × manual share, using a standard 2,080-hour working year. - Blended hourly cost
= fully loaded cost ÷ 2,080. - Bluecopa is modelled as automating 65% of manual close effort, tapering to 55% below five entities where less consolidation work exists to remove.
- Projected close days
= current days × (1 − 0.45 × automation share), with a three-day floor — no software removes review and sign-off. - Automation percentages are planning assumptions for scoping, not a contractual commitment. Validate them against a scoped assessment.
Your reconciliation load
Transaction volume, how much of it matches itself, and what the rest costs to clear.
With Bluecopa Reconciliation
Annual exception-handling savings
Match rate, before and after
Every point of match rate is an exception nobody has to open.
How this is calculated
- Exceptions per month
= transactions × (1 − match rate); annual hours= exceptions × 12 × minutes ÷ 60. - Bluecopa's target match rate is modelled as
current + 60% of the gap to 99%, and never below your current rate. - Effort savings
= exceptions avoided × minutes ÷ 60 × hourly cost. - Write-off recovery is modelled at 35% of the leakage you entered, on the basis that breaks caught in-period are still collectable.
- These rates are scoping assumptions. Your actual match rate depends on data quality at source and the matching rules you configure.
Definition
What is DSO (Days Sales Outstanding)?
Days Sales Outstanding measures the average number of days it takes a company to collect payment after a sale is made on credit. It's the clearest single readout of how efficiently your order-to-cash process turns revenue into cash — a rising DSO means capital is sitting in customers' hands instead of yours.
DSO is driven by three things: how long you give customers to pay, how disciplined your collections process is, and how much of your A/R has slipped past its due date. The calculator above uses the same formula finance teams use in board reporting, then models how much of that gap Bluecopa can close.
- Accounts receivable — total unpaid invoices at period close.
- Total credit sales — revenue billed on credit over the period (often approximated with total revenue).
- Number of days — the period measured, typically 365 for an annual DSO.
FAQ
Questions about DSO and this calculator
Straight answers, so you can trust the numbers you take into a business case.
What counts as a "good" DSO?
It depends entirely on your industry and payment terms — a SaaS business on net-30 and a construction firm on net-90 aren't comparable on a raw DSO number. What matters more is the gap between your DSO and your industry's best-in-class benchmark, which is why the calculator's industry selector recalculates that gap for you rather than showing one universal target.
Why does past-due A/R matter if it's already in my total A/R?
Total A/R tells you how much cash is outstanding; past-due A/R tells you how much of it is at risk of becoming a write-off or requiring a collections effort. A high past-due share is also the strongest predictor of how much DSO reduction is realistically achievable through better collections — it's why the calculator uses it to scale the Bluecopa savings estimate.
How does Bluecopa actually reduce DSO?
The Order-to-Cash module prioritises the collections worklist by risk and ageing, routes disputes to an owner the moment they're raised instead of letting them sit, and applies incoming cash against open invoices automatically. Most of the reduction comes from shrinking the past-due bucket that inflates DSO in the first place, not from changing payment terms.
Are the industry DSO benchmarks and automation rates in this calculator audited figures?
No — they're planning assumptions for sizing an opportunity, clearly labelled as such in each module's "How this is calculated" panel. Use them to gauge direction and scale, then bring your own A/R ageing and close data to a session with our team for figures you can put in a business case.
Does this calculator use my actual company data or send it anywhere?
Everything runs in your browser. The numbers you enter are used only to drive the formulas on this page — nothing is transmitted, stored, or shared when you adjust an input or switch modules.
How is this different from just tracking DSO in my ERP?
Your ERP tells you what your DSO is today. This tool estimates what it could be — and what that's worth in cash and interest savings — if the manual work behind collections, close, and reconciliation were automated. It's a sizing exercise for a decision, not a reporting dashboard.
Want these numbers stress-tested against your actual data?
Bring your A/R ageing, your close calendar and one month of reconciliation output. We will rebuild this model with your figures and show you which of the three engines pays back first.
