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Finance & current balances

Liquidity Ratios Calculator

Build current, quick and cash coverage from explicit asset categories rather than entering overlapping totals.

27 / COMPARE LIQUIDITY BASES

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Starting values are illustrative. Use your own costs, rates and assumptions.

INPUT GROUP 01

Current-asset components

INPUT GROUP 02

Current obligations

Check the assumptions before acting on a result.

Read the method and example

YOUR CALCULATION

Current assets are built from the entered components.

Total entered current assets

$150,000.00

Working capital

$75,000.00

Current ratio (times)

2

Quick ratio (times)

1.2

Cash and securities ratio (times)

0.4

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Illustrative inputs loaded. Replace them with your own assumptions.

How the liquidity ratios calculator works

Current assets sum cash, marketable securities, receivables, inventory and other current assets. Working capital subtracts current liabilities. Avoid including the same balance in more than one component.

Current ratio uses all entered current assets. Quick ratio uses cash, securities and receivables only. Cash coverage uses cash plus the entered liquid marketable securities. Each divides its asset base by current liabilities and reports a times multiple.

Zero current liabilities gives undefined coverage multiples while working capital remains visible. Asset restrictions, receivable collectability, maturity dates and missing obligations are not tested. The categories are simplified and require consistent classification rather than implying immediate access to every balance.

Worked example

Cash 20,000, securities 10,000, receivables 60,000, inventory 40,000 and other current assets 20,000 total 150,000. With 75,000 current liabilities, working capital is 75,000, the current ratio is 2, the quick ratio is 1.2 and cash/securities coverage is 0.4. Reducing liabilities to 50,000 makes the current ratio 3.

Sources and assumptions

The source material explains the underlying calculation or pricing structure. Entered prices, costs, schedules and scenario choices are your assumptions; this tool does not obtain supplier quotes or predict actual results.

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