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Cash Ratio Calculator

Divide cash and marketable securities by current liabilities — the strictest liquidity test, with the share of short-term debt payable today.

Related tools

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Current ratio calculatorCompute the current ratio from current assets and current liabilities.Debt service coverage ratio (DSCR) calculatorThe DSCR — net operating income ÷ total debt service — tells lenders whether a property or business earns enough to cover its loan payments. A DSCR of 1.25 means income is 25% above the debt due, the level most commercial lenders require. Below 1.0 the cash flow cannot cover the debt.Debt-to-asset ratio calculatorThe debt-to-asset ratio — total liabilities ÷ total assets, expressed as a percentage — shows what share of a company's assets is financed by debt. A ratio of 40% means creditors fund 40% of the assets and owners the rest. It is a core solvency gauge; this is distinct from the debt-to-income ratio used for personal loans.Debt-to-equity ratio calculatorCompute a company's debt-to-equity ratio from total debt and equity.Fixed charge coverage ratio (FCCR) calculatorThe fixed charge coverage ratio widens interest coverage to include lease and other fixed charges: (EBIT + fixed charges) ÷ (fixed charges + interest). Switch to EBITDA mode to add back depreciation and amortisation, and add principal repayments grossed up by the tax rate when a loan covenant defines FCCR that way. Lenders often require at least 1.25.Interest coverage ratio (ICR) calculatorThe interest coverage ratio — EBIT ÷ interest expense — shows how comfortably operating profit covers interest on debt. Analysts often use an EBITDA variant that adds depreciation and amortisation back, giving a cash-flow-based view of the same cushion. Values under 1.5 are generally seen as risky.Quick ratio calculatorCompute the quick (acid-test) ratio, excluding inventory from current assets.Cash flow margin calculatorMeasure how efficiently sales convert into operating cash. The cash flow margin divides cash flow from operations by net sales — a tougher, harder-to-manipulate profitability gauge than net margin because it uses actual cash, not accrual earnings.

Open Cash Ratio Calculator and you get an answer straight away, with no account to create. Its place is under Planning & operations; Current ratio calculator and Debt service coverage ratio (DSCR) calculator answer the questions closest to this one.

How to use it

  1. Open the tool — no signup or install needed.
  2. Enter your input or adjust the available options.
  3. Get your result instantly, then copy or download it.

Frequently asked questions

What is Cash Ratio Calculator?

Divide cash and marketable securities by current liabilities — the strictest liquidity test, with the share of short-term debt payable today.

When would I actually use this?

Running the week: issuing an invoice or a quote, knowing what is in stock and what to reorder, and seeing whether cash covers what is due.

What is the most common mistake?

Reading profit as cash. A profitable month with sixty-day payment terms can still leave the account empty — the two numbers answer different questions.

How is Cash Ratio Calculator different from Current ratio calculator?

They sit next to each other but answer different questions: Current ratio calculator is the one to open when you need it to compute the current ratio from current assets and current liabilities. Pick whichever matches what you're starting from — both are free.

Is there a tool for the next step?

Debt service coverage ratio (DSCR) calculator is the closest one after this: The DSCR — net operating income ÷ total debt service — tells lenders whether a property or business earns enough to cover its loan payments. A DSCR of 1.25 means income is 25% above the debt due, the level most commercial lenders require. Below 1.0 the cash flow cannot cover the debt.

What else is worth having open alongside it?

Debt-to-asset ratio calculator and Debt-to-equity ratio calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from?

The arithmetic is exact for what you enter. Invoice content, VAT treatment and mandatory mentions are set by national rules — an invoice that computes correctly can still be non-compliant.

Further reading

All guides →
ExplainerFixed-Charge Cover: the Ratio a Landlord or a Lender Looks AtThe same company, the same year, reads 1.02×, 1.52× or 2.56× depending on where rent is put and whether principal is grossed up for tax. Two of those pass a 1.25 covenant and one does not.ComparisonCurrent Ratio vs Quick Ratio, and What Neither Tells YouThe quick ratio removes inventory because inventory is the current asset that may not convert. Two companies with an identical current ratio can be five times apart on the quick ratio — and both measures are still blind to the one thing that actually stops a company paying: timing.ComparisonInterest Coverage and the Ratios a Lender Actually TestsA loan agreement's covenants are the ratios that can put a solvent, profitable company into default. Interest coverage, times interest earned and DSCR are not three measures — and the one that adds principal repayment is the one that bites.ExplainerDebt-to-Equity Ratio Explained: Formula and Healthy LevelsThe debt-to-equity ratio measures leverage. Learn the formula, what a healthy level looks like, and how the personal version differs from the company one.GuideBorrowing for the Business: What the Bank Looks At Before the RateThe coverage ratio is the gate, the guarantee is the second price and the rate is an output. On a 400,000 loan, cutting the rate by a full point moves the coverage ratio by 0.018 — while two extra years of term move it by 0.216. The whole negotiation is in the wrong place.ExplainerEBITDA: What It Deliberately Leaves OutEBITDA adds back the two costs that differ most between companies, which is exactly what makes it comparable — and exactly why it flatters anyone who owns a lot of equipment. Here is the same profit walked all the way down, and the maintenance-capex floor the measure never shows.