Cash pooling calculator
See what a group of companies could save by pooling its bank balances: a year's interest with every account kept separate, against the same cash offset as one net position. Free, no sign-up, nothing leaves your browser.
- 1Type in your own numbers
- 2The tool works it out
- 3See the answer clearly
Enter all balances in one currency. This assumes balances stay the same for a year and ignores pooling fees; use your own bank's rates, as the starting figures are only an example.
How cash pooling works
Cash pooling is a way for a group of related companies to manage their bank balances together. Instead of one company sitting on spare cash while another pays for an overdraft, the balances are combined or offset. In physical pooling money is actually moved into one main account; in notional pooling it stays put and interest is worked out as if the balances were combined.
What to check first
Moving cash between companies can create intercompany loans, which may have tax effects. Some countries restrict how money can move across borders, directors of each company still have duties to their own company, and not every bank offers notional pooling in every country.
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