Liquidity Ratio Calculator
Calculate personal liquidity ratios and emergency fund coverage
Liquid Assets
Stocks, bonds, CDs that can be liquidated within 30 days
Liabilities & Expenses
Liquidity Analysis
Cash Ratio
3.60
Strong
Cash / Current Liabilities
Quick Ratio
7.60
Strong
(Cash + Quick Assets) / Liabilities
Current Ratio
8.60
Strong
(All Liquid + Monthly Income) / Liabilities
Months Covered (All Liquid)
9.5 months
How long liquid assets cover expenses
Months Covered (Cash Only)
4.5 months
Pure cash without selling investments
Asset Summary
Total Cash: $18000
Quick Assets: $38000
Current Liabilities: $5000
Benchmarks (Personal Finance)
Cash Ratio: Ideal ≥1.0 (covers immediate debts) | Personal goal: 2+ months expenses in cash
Quick Ratio: Ideal ≥1.5 (covers short-term needs) | Personal goal: 3+ months expenses
Current Ratio: Ideal ≥2.0 (comfortable buffer) | Personal goal: 6+ months expenses
Note: Liquidity ratios adapted from corporate finance metrics for personal finance. Cash ratio measures immediate liquidity, quick ratio includes near-liquid assets, current ratio considers income flow. Personal finance typically focuses on months of expense coverage rather than debt coverage.