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Home/Blog/Glossary/Open-to-Buy: Retail and Cost Budgets with a Worked Example
GlossaryProcurement encyclopedia

Open-to-Buy: Retail and Cost Budgets with a Worked Example

Build a consistent retail-value or cost-value buying budget using beginning stock, planned sales and scheduled receipts.

Jainul Vaghasia/Published May 10, 2026/Updated September 4, 2026/3 min read

Use the definition

Turn procurement terms into an operating system.

This reference page should help you understand the concept first. When the term affects purchasing execution, LineNow connects it to live POs, supplier replies, receiving, and accounting handoff.

Retail Replenishment, Complete: From Reorder Points to Reconciled CostsInventory replenishment

Contents

  1. Retail-value formula
  2. A worked retail plan
  3. Keep time and ownership consistent
  4. OTB, reorder point and PAR answer different questions
  5. Connect the budget with purchasing evidence
  6. Related
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Open-to-buy (OTB) is the merchandise budget still available for a defined period after accounting for the sales plan, desired closing stock, opening stock and commitments already scheduled to arrive. It connects an assortment plan to buying decisions. It does not by itself establish that the business has the cash to pay.

Retail-value formula

A conventional retail-value plan uses:

Required receipts at retail = Planned net sales + Planned markdowns
                            + Planned ending stock − Beginning stock
Open-to-buy at retail       = Required receipts − On-order receipts

Use the same retail valuation convention throughout. Markdowns represent reductions in the retail book value of merchandise; they are not extra units sold. At constant other inputs, including markdowns increases required receipts. Do not add retail markdown dollars to a cost-valued plan.

For a simplified cost-value plan, replace sales with the cost of planned units sold and use cost-valued opening stock, ending stock and incoming commitments. Account for any other planned inventory reductions under the same convention. Purchasing cash timing is a separate schedule.

A worked retail plan

Assume the following month plan; all inventory and on-order figures are at retail value:

InputAmount
Planned net sales$22,000
Planned markdowns$2,000
Desired month-end stock$50,000

Read before ordering

A dense operator briefing for teams that need sharper buying, cleaner supplier follow-up, and fewer expensive surprises.

Beginning-of-month stock$40,000
Outstanding receipts scheduled this month$12,000
Required receipts = $22,000 + $2,000 + $50,000 − $40,000 = $34,000
Remaining OTB     = $34,000 − $12,000 = $22,000 at retail

If planned purchase cost is 48% of original retail value, the simplified cost equivalent is $22,000 × 0.48 = $10,560. That assumes a 52% initial margin measured against retail, not a 52% markup on cost. Apply actual item costs when selecting the order; a mixed assortment may not share one ratio.

A negative OTB indicates commitments exceed this plan. Review cancellations, delivery timing, markdowns and realistic demand. Increasing the sales forecast solely to make the budget positive does not solve the exposure.

Keep time and ownership consistent

Beginning stock is the snapshot at the start of the planning period, not today's live balance. A mid-month revision must account consistently for actual sales, receipts and markdowns to date rather than substituting current stock into an unchanged full-month formula.

Include only the on-order receipts scheduled for the period being planned. When a $4,000 retail-value shipment moves into next month, update both periods; when it arrives, move it from on-order to received without counting it twice.

Distinguish owned stock and commitments from consignment. Consigned goods can affect physical availability and assortment, but the payment and ownership model may differ. Use a consistent scope for the plan and a separate settlement schedule where needed.

OTB, reorder point and PAR answer different questions

Planning toolDecision
OTBHow much room remains in this period's merchandise plan?
Reorder pointWhen should this item's replenishment be triggered?
PAR levelWhat inventory position should this item be replenished toward?
Cash forecastWhen must the business fund the commitments?

A positive OTB is permission to evaluate buys, not an instruction to spend the whole amount. Check item demand, existing inbound stock, supplier packs, criticality and loss risk before selecting quantities.

Connect the budget with purchasing evidence

LineNow keeps purchase orders, supplier replies and receiving connected. Use those records to inspect an outstanding commitment, a changed delivery date and a partial receipt, then reconcile them with the merchandise plan and accounting data.

If automatic OTB recalculation or enforcement is required, demonstrate the valuation basis, period snapshots, permission rules and a budget-exceeding order. Generic PO tracking alone does not establish those controls. The operator responsible for the assortment still needs to resolve a conflict between the plan and an urgent replenishment.

Related

  • Inventory turnover
  • GMROI
  • Cash conversion cycle
  • Minimum order quantity
open to buyOTB formulaopen to buy retailopen to buy calculationretail buying budgetOTB inventory planningstock to sales ratio

Written by Jainul Vaghasia

Jainul Vaghasia builds LineNow, the purchasing and inventory platform for SMBs. He writes from operator interviews, customer implementations, and the live purchasing workflows LineNow runs for restaurants, retailers, and ecommerce brands.

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Retail Replenishment, Complete: From Reorder Points to Reconciled CostsConnect reorder policies, packs, supplier communication, physical receiving and cost review with current platform-specific guides and tools.Best Inventory Replenishment Software: Compare Planning and ExecutionCompare replenishment tools for retail, restaurants, stockrooms and manufacturing, with a worked order calculation and a repeatable forecast-and-receipt trial.Inventory replenishmentReview demand, supplier packs and outstanding orders before buying more stock.PricingCheck the trial, business-unit pricing and what is included.
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