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Liquid Net Worth Calculator

Calculate liquid net worth: liquid assets minus short-term liabilities. Optional liquidity ratio.

Use the Liquid Net Worth Calculator

Enter liquid assets and short-term liabilities. Liquid net worth and liquidity ratio are calculated.

Liquid assets

Cash and assets you can convert to cash quickly (no real estate).

Liabilities

Results

Liquid net worth
$48,000
Total liquid assets
$55,000
Total liabilities
$7,000
Liquidity ratio
7.86

Liquid net worth = Liquid assets − Liabilities. Liquidity ratio = Assets ÷ Liabilities (higher means more cushion to cover short-term debt).

What this metric means

Liquid net worth is liquid assets minus short-term liabilities. It reflects how much cash-like wealth you have after immediate debts—useful for liquidity and risk.

How to calculate it

Sum all liquid assets (cash, brokerage, etc.). Sum short-term liabilities (credit cards, personal loans, etc.). Liquid net worth = Assets − Liabilities. Liquidity ratio = Assets ÷ Liabilities (if liabilities > 0).

How to improve the metric

Build liquid savings; pay down short-term debt; or rebalance from illiquid to liquid assets if appropriate. Avoid holding excess cash at the expense of long-term return unless you need the liquidity.

Common mistakes

Including illiquid assets (e.g. property) in liquid assets; using face value for assets that could be sold at a discount; or excluding liabilities that are due soon.

How to interpret your result

Positive liquid net worth and a liquidity ratio above 1 mean you can cover short-term debt with liquid assets. Use with an emergency fund target for context.

FAQs

What counts as liquid assets?▾
Cash, bank accounts, stocks, ETFs, bonds, and other assets you can convert to cash quickly without large loss. Exclude property, illiquid investments, and retirement accounts if you don't want to count them.
What is liquidity ratio?▾
Liquid assets ÷ Liabilities. It shows how many times your liquid assets cover short-term debt. Higher is generally better for financial flexibility.
Should I include retirement accounts?▾
It depends. If you're measuring emergency liquidity, many exclude retirement (penalties to access). If you're measuring total liquid wealth, you can include them.
Why focus on liquid?▾
Liquid net worth shows what you could use quickly without selling a house or locking in losses. Useful for stress-testing and short-term planning.

Related tools

Browse all calculators on NetGrow.

NetGrow

Liquid Net Worth Calculator

Calculate liquid net worth: liquid assets minus short-term liabilities. Optional liquidity ratio.

Use the Liquid Net Worth Calculator

Enter liquid assets and short-term liabilities. Liquid net worth and liquidity ratio are calculated.

Liquid assets

Cash and assets you can convert to cash quickly (no real estate).

Liabilities

Results

Liquid net worth
$48,000
Total liquid assets
$55,000
Total liabilities
$7,000
Liquidity ratio
7.86

Liquid net worth = Liquid assets − Liabilities. Liquidity ratio = Assets ÷ Liabilities (higher means more cushion to cover short-term debt).

What this metric means

Liquid net worth is liquid assets minus short-term liabilities. It reflects how much cash-like wealth you have after immediate debts—useful for liquidity and risk.

How to calculate it

Sum all liquid assets (cash, brokerage, etc.). Sum short-term liabilities (credit cards, personal loans, etc.). Liquid net worth = Assets − Liabilities. Liquidity ratio = Assets ÷ Liabilities (if liabilities > 0).

How to improve the metric

Build liquid savings; pay down short-term debt; or rebalance from illiquid to liquid assets if appropriate. Avoid holding excess cash at the expense of long-term return unless you need the liquidity.

Common mistakes

Including illiquid assets (e.g. property) in liquid assets; using face value for assets that could be sold at a discount; or excluding liabilities that are due soon.

How to interpret your result

Positive liquid net worth and a liquidity ratio above 1 mean you can cover short-term debt with liquid assets. Use with an emergency fund target for context.

FAQs

What counts as liquid assets?▾
Cash, bank accounts, stocks, ETFs, bonds, and other assets you can convert to cash quickly without large loss. Exclude property, illiquid investments, and retirement accounts if you don't want to count them.
What is liquidity ratio?▾
Liquid assets ÷ Liabilities. It shows how many times your liquid assets cover short-term debt. Higher is generally better for financial flexibility.
Should I include retirement accounts?▾
It depends. If you're measuring emergency liquidity, many exclude retirement (penalties to access). If you're measuring total liquid wealth, you can include them.
Why focus on liquid?▾
Liquid net worth shows what you could use quickly without selling a house or locking in losses. Useful for stress-testing and short-term planning.

Related tools

Browse all calculators on NetGrow.