Liquid Net Worth Calculator

Calculate your liquid net worth and assess your financial liquidity

âœ“ Liquidity Analysis âœ“ Emergency Fund Assessment âœ“ Financial Health Check

Liquid Net Worth Calculator

Cash & Cash Equivalents

Checking Accounts ($)

All checking account balances

Savings Accounts ($)

All savings account balances

Money Market Accounts ($)

Money market account balances

Cash on Hand ($)

Physical cash and petty cash

Short-Term Investments

CDs (< 1 year) ($)

Certificates of deposit maturing within 1 year

Treasury Bills ($)

Short-term government securities

Marketable Securities

Stocks & ETFs ($)

Current market value of stocks and ETFs

Bonds ($)

Current market value of bonds

Mutual Funds ($)

Current value of mutual fund holdings

Brokerage Cash ($)

Cash in brokerage accounts

Short-Term Debts & Obligations

Credit Card Debt ($)

Total credit card balances

Short-Term Loans ($)

Personal loans, lines of credit

Outstanding Bills ($)

Unpaid bills and immediate obligations

Other Short-Term Debt ($)

Other debts due within 1 year

Monthly Expenses (Optional)

Monthly Living Expenses ($)

Average monthly living expenses

Emergency Fund Goal (months)

Target months of expenses to cover

What is Liquid Net Worth?

Liquid net worth is the amount of money you can access quickly in case of emergency or opportunity.

Formula:

Liquid Assets - Short-term Debts

Includes:

â€¢ Cash & cash equivalents

â€¢ Marketable securities

â€¢ Short-term investments

Quick Examples

Conservative Profile

High cash, low debt

Strong liquidity

Balanced Profile

Mixed assets, moderate debt

Good liquidity

Growth Profile

High investments, higher debt

Moderate liquidity

Liquidity Levels

High Liquidity

Cash, savings, checking

Medium Liquidity

Stocks, bonds, mutual funds

Low Liquidity

Real estate, retirement accounts

Emergency Fund Guide

3 months: Minimum Basic Safety

6 months: Recommended Good Safety

9+ months: Conservative High Safety

Liquidity Tips

Diversify: Mix of liquid assets

Access: Know withdrawal times

Costs: Consider transaction fees

Yield: Earn on liquid funds

Review: Update regularly

Understanding Liquid Net Worth

Liquid net worth represents the cash and assets you can quickly convert to cash, minus your short-term debts and obligations. It's a crucial measure of your financial flexibility.

Why It Matters:

Emergency Preparedness: Handle unexpected expenses
Opportunity Fund: Take advantage of investments
Financial Stress: Reduce anxiety about money
Credit Independence: Less reliance on borrowing

Building Liquidity

High-Yield Savings

Keep emergency funds in high-yield savings accounts for easy access and growth.

Money Market Funds

Offer higher yields than savings with check-writing capabilities.

Short-Term CDs

Ladder CDs for predictable access to funds with better rates.

Marketable Securities

Maintain a portion in easily tradeable stocks and bonds.

Liquid Net Worth Calculator