MyCalcBuddy

Quick Ratio Calculator

Calculate the quick ratio (acid-test ratio) to measure immediate liquidity without relying on inventory.

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Important Financial Disclaimer

This calculator provides estimates based on standard financial formulas from verified references. Results are for informational and educational purposes only and should not be considered as professional financial, investment, or tax advice.

For important financial decisions such as loans, investments, mortgages, retirement planning, or tax matters, please consult with qualified financial advisors, certified financial planners, or licensed tax professionals who can review your specific situation.

Calculations may not account for all variables specific to your circumstances, local regulations, or current market conditions. Always verify results and consult professionals before making financial commitments.

Not a substitute for professional financial advice

Quick Assets (Liquid)

$50,000
$0$1,000,000
$25,000
$0$500,000
$75,000
$0$1,000,000

Other Current Assets

$100,000
$0$1,000,000
$10,000
$0$100,000

Liabilities

$125,000
$1,000$1,000,000

Quick Ratio (Acid-Test)

1.20

Strong short-term liquidity

Current Ratio
2.08

Includes inventory

Cash Ratio
0.60

Most conservative

Quick Assets
$150,000
Current Liabilities
$125,000

Ratio Comparison

Cash Ratio0.60
Quick Ratio1.20
Current Ratio2.08

Inventory impact: 0.88 difference between current and quick ratio

Quick Ratio Benchmarks

Below 0.5Critical
0.5 - 1.0Concerning
1.0 - 1.5Healthy
Above 2.0Very Strong

Quick Ratio Formula

Quick Ratio = (Cash + Marketable Securities + Accounts Receivable) / Current Liabilities

Why Exclude Inventory?

Inventory may not be quickly convertible to cash, especially during financial stress. The quick ratio measures immediate liquidity.

Quick vs Current Ratio

A large gap between ratios suggests heavy inventory dependence. This may be normal for retail/manufacturing but concerning for service companies.

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Cash Ratio

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Working Capital

Working capital analysis

sources

  • •Reserve Bank of India (RBI) — Financial regulations, lending rates, and monetary policy guidelines. rbi.org.in
  • •Consumer Financial Protection Bureau (CFPB) — Consumer finance guidelines, mortgage and loan disclosure standards. consumerfinance.gov
  • •Securities and Exchange Board of India (SEBI) — Investment and securities market regulations. sebi.gov.in
  • •Investopedia — Financial formulas, definitions, and educational content. investopedia.com

For a complete list of all references used across the site, visit our full sources page.

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Editorial Note

MyCalcBuddy Editorial Team

This page is maintained as an educational calculator reference.

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Formula Source: Fundamentals of Financial Management

by Brigham & Houston

🔄Last reviewed: May 2026
✓Formula checks are based on standard references and internal QA review.