Using the Kapitalwise Quick Ratio Calculator
Enter your cash and cash equivalents, marketable securities, accounts receivable, and current liabilities. The calculator shows your quick ratio.
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Quick Ratio Calculator.
A quick ratio calculator, also known as an acid-test ratio calculator, measures whether a business can cover its short-term obligations using its most liquid assets.
JEWritten by SKReviewed by SREdited by
Updated August 31, 2026
Your Business Figures
Enter your numbers
$
Cash and cash equivalents include currency, checking and savings balances, and other assets that can be converted to cash immediately.
$
Marketable securities are investments, such as short-term bonds, that can be quickly sold at a value close to their book value.
$
Accounts receivable is money owed to your business by customers for goods or services already delivered.
$
Current liabilities are debts due within one year, including accounts payable, short-term loans, and other short-term obligations.
Live Result
Your Quick Ratio
Quick Ratio
1.25
Strong liquidity
Quick assets of $100,000 divided by current liabilities of $80,000.
Quick Assets
$100,000
Cash + securities + receivables
Current Liabilities
$80,000
Debts due within one year
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These results are estimates, not predictions. They're calculated from the figures you entered and assume your rate of return and inflation rate hold steady every year, which real markets don't do. Change any input and the result changes. Use this to compare scenarios, not to plan around a specific number.
Cash and Cash Equivalents
Cash and cash equivalents include currency, checking and savings balances, and other assets that can be converted to cash immediately.
Marketable Securities
Marketable securities are investments, such as short-term bonds, that can be quickly sold at a value close to their book value.
Accounts Receivable
Accounts receivable is money owed to your business by customers for goods or services already delivered.
Current Liabilities
Current liabilities are debts due within one year, including accounts payable, short-term loans, and other short-term obligations.
How the Quick Ratio Is Calculated
Quick ratio is calculated by adding cash and cash equivalents, marketable securities, and accounts receivable, then dividing that total by current liabilities.
What Is a Good Quick Ratio?
A quick ratio of 1.0 or higher generally means a company can fully cover its current liabilities with its most liquid assets. A ratio below 1.0 means it cannot, based on liquid assets alone.
What the Quick Ratio Measures
The quick ratio is a liquidity ratio, meaning it measures a company's ability to meet short-term obligations. It excludes inventory from the calculation, since inventory can take longer to convert into cash than other current assets.
This makes the quick ratio a more conservative measure of liquidity than the current ratio, which does include inventory.
Comparing a company's quick ratio to prior periods, or to similar companies in the same industry, can help identify improving or worsening liquidity trends. A declining quick ratio over time can be an early sign of cash flow strain, even before other financial problems appear.
The Next Step
Next Steps
A fiduciary financial advisor can help you interpret your quick ratio alongside your broader financial picture, including how business liquidity affects your personal financial plan. Matching with an advisor is free and comes with no pressure to commit.
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