The Cash Velocity Calculator

Slow cash is designed in. So is speed.

Your cash conversion time
0 days
$0 of your money in transit on an average day

from care delivered to cash you can use.
Nine answers, ninety seconds.
Watch it move.

1Your practice
Providers seeing patients12
Completed visits per provider per week40
Average reimbursement per visit$110
2From visit to claim
How long notes sit unsigned
Signed note to claim out the door
3From claim to payment
How fast payers actually pay you
Claims paid on the first pass (clean claim rate)
Clean claims are the upstream lever. A claim that goes out right the first time skips every rework detour below.
4From payment to usable cash
Payments received to payments posted
Patient balances: how they get collected

This calculator estimates. PracticePath measures.

Every wait above leaves a timestamp trail in your practice management and EHR system. PracticePath can read the clocks directly. Here is where each one lives.

The note clock
Visit time to signature time, by provider, daily. The wait that starts all the others.
The claim clock
Signature to submission. Claims that sat ready and unsent, counted every night.
The payer scoreboard
Claim out to money in, by payer, line by line. Who is slowing down this quarter, with proof.
Rebill loops
Claims rebilled more than twice, and the days each loop adds. Fix the clean claim rate up front and these disappear. Root cause, not symptom.
The posting gap
Money received against money posted. Cash you have that your books have not met yet.
The patient tail
Balance to collected, by method. Cards on file against statement cycles, measured in days.
Nightly velocity checks — a sample of 28
-- Every wait, timed. Every clock, owned.
Check 03   Notes older than 48 hours, by provider
Check 08   Claims signed, scrubbed, and still not sent
Check 11   Payers paying slower than their own 90-day average
Check 16   Claims rebilled more than twice
Check 22   Payments received but unposted 3+ days
Check 27   Balances with a card on file and no charge attempt
The root cause

Six waits. Likely more hiding. Nobody owns the clock.

Every wait above survives because nobody is timing it. The owner sees a bank balance and an AR total, weeks after the fact. PracticePath can put a clock on every stage, by provider, by payer, daily, with dollars attached, for owners or investors (PE). One practice went from 76 days to 9. The speed is the product.

Want your real number, stage by stage?

Send us this scenario and let's have a conversation about your cash. No pitch deck, no obligation. Just your data and where it waits.

Your answers and results ride along with the submission, so the first reply already knows your scenario.
Show the math and every assumption

Base revenue = providers × visits/week × 46 working weeks × rate. Assumption

Cash conversion time = the six stage waits added together. The patient balance stage is entered as its blended contribution to the total. Assumption

Cash in transit = daily revenue × total days. Money earned, not yet usable.

What it could become = cash released at 30, 15, and 9 days. The 9 is a real client result (76 days to 9), not a promise. Your target is yours to pick. Client result + Illustration

Float cost = revenue × (days ÷ 365) × 10% annual cost of capital. Assumption

Payer speeds vary by mix; defaults reflect a typical commercial blend. Assumption

Clean claim rate is the upstream lever. A higher first-pass rate removes the rebill-loop days directly, which is why fixing it up front collapses several waits at once. Assumption

Conservative throughout. Every default sits at or better than the typical practice, so the number you see understates the common case. Note

Estimates only. Your actual clocks come from your actual data, which is the point.

© 2026 PracticePath. The Practice Variability Tax, cash velocity methodology, and this calculator are proprietary.