Liquid Net Worth Calculator

Your details

Physical cash, petty cash, or cash in a safe.
Total balance across all checking accounts.
High-yield savings, money market accounts, and standard savings accounts.
Money market mutual funds held in brokerage or bank accounts.
Publicly traded stocks, ETFs, mutual funds, and bonds in taxable brokerage accounts. These typically settle in one to two business days.
CDs with maturity dates within 12 months. Long-dated CDs are less liquid.
Treasury bills, short-term bonds, or any other asset you could convert to cash within a few business days.
Total outstanding balance across all credit cards.
Unsecured personal loans and lines of credit.
Outstanding balance on vehicle loans.
Total remaining student loan balance.
Any other outstanding obligations not listed above (medical bills, tax debt, etc.).
Currency
Liquid Net WorthModerate - reasonable emergency buffer
$41,000

Liquid assets minus total liabilities

Total Liquid Assets$57,000
Total Liabilities$16,000
Liquidity Ratio3.56
Cash and Accounts Share47.4%
Investments Share52.6%
Liquid Assets$57,000
Liabilities$16,000
Liquid Net Worth$41,000

Your liquid net worth is $41,000.

  • Your liquidity ratio is 3.56, meaning your liquid assets cover your total debts 3.6 times over.
  • You hold $27,000 in cash and deposit accounts. Financial planners generally recommend keeping three to six months of expenses in such easily accessible accounts.

Next stepReview this number quarterly. As liquid assets grow or debts shrink, your financial flexibility improves. Illiquid assets like your home, retirement accounts, and vehicles are excluded here intentionally - add a full net worth calculator to see the complete picture.

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