Corporate Card Float Value Calculator
Turn corporate card payment terms into a quantifiable treasury asset. Enter the monthly spend you can push through card rails and the average float days before cash leaves the bank. The calculator converts that working-capital buffer into an investable balance and shows the annual and monthly yield at your assumed sweep or T-bill rate.
Examples
- $850,000 in monthly spend with 28 days of float, 30-day cycle, and 4.15% APY ⇒ Average float balance $793,333.33, annual yield $32,947.22, monthly value $2,745.60.
- $1,200,000 spend, 20 float days, 32-day cycle, 5.00% APY ⇒ Average float $750,000.00, annual yield $37,500.00, monthly value $3,125.00.
FAQ
What counts as eligible corporate card spend?
Include vendor payments, travel, software, or media purchases that can be routed through a commercial card without incurring additional surcharges or losing volume rebates.
How should I select the yield assumption?
Use the APY from your treasury sweep, money-market fund, or short-duration T-bills. Update it whenever rates change so the float value reflects current opportunities.
Can I model multiple billing cycles?
Yes. Run separate scenarios for each issuing bank if they close statements on different days or offer varying grace periods, then sum the outputs.
Additional Information
- Average float balance equals the monthly card spend scaled by the fraction of the billing cycle that cash remains on hand.
- Yield is expressed as an annual percentage rate (APY) that you could earn in a treasury sweep, money market fund, or instant reserve account.
- Use the monthly value output to benchmark whether supplier discounts or dynamic payment terms beat the opportunity cost of paying early.