---
title: "Current Ratio and Quick Ratio Calculator for Small Business"
description: "Enter cash, receivables, inventory and current liabilities to see your current ratio, quick ratio and working capital. Free and private, runs in your browser."
url: "https://mcc-solutionsnj.com/bookkeeping/current-ratio-calculator"
---

Free tool

# Current ratio and quick ratio calculator

Enter what you own that turns into cash within a year and what you owe within a year. See your current ratio, quick ratio, cash ratio and working capital.

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Keeping your own books? Tallyfinch does invoices, bank import and reports on your computer. [See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software)

Cash and bank balances ($)

Accounts receivable ($)

Inventory ($)

Other current assets ($) (prepaids)

Current liabilities ($) (bills, cards, loan payments due this year)

Prefer to talk it through? [Take the free books check](/bookkeeping/health-check) or [contact us](/contact).

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Free to use. Paste this where you want it to appear. It runs in the visitor's browser, so nothing they enter is sent to us.

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How it works

## How it works

The **current ratio** is current assets divided by current liabilities. The **quick ratio** uses only cash and receivables, leaving out inventory. The **cash ratio** uses cash alone. **Working capital** is current assets minus current liabilities.

Take the figures from your balance sheet. A ratio under 1 means you owe more within a year than you hold in current assets.

FAQ

## About this calculator

**What is the current ratio?**

Current assets divided by current liabilities. It shows whether what you own that turns into cash within a year covers what you owe within a year.

**What is the quick ratio?**

Cash plus receivables divided by current liabilities. It leaves out inventory, which can take time to sell.

**Is there a good number?**

It depends on the industry and on how quickly cash comes in. A ratio below 1 means current liabilities are bigger than current assets. Compare your own numbers over time and with similar businesses.

**What counts as a current liability?**

Bills and debts due within a year: payables, credit cards, the part of loans due this year, taxes owed and customer deposits.

**Where do I find the numbers?**

On your balance sheet. If your books are behind, update them first, because the ratios are only as good as the inputs.

**Is anything saved?**

No. The math runs in your browser and nothing you enter is sent to us.

Read each ratio in [current ratio and quick ratio explained](/bookkeeping/guides/current-ratio-and-quick-ratio-explained), check how fast customers pay with [days sales outstanding](/bookkeeping/days-sales-outstanding-calculator), or plan with the [cash flow calculator](/bookkeeping/cash-flow-and-burn-rate-calculator). More free tools: [Do I need to send a 1099?](/bookkeeping/do-i-need-to-send-a-1099), [Craft fair profit calculator](/bookkeeping/craft-fair-profit-calculator), [Are my books ready for taxes?](/bookkeeping/is-my-quickbooks-ready-for-taxes), or [see all free tools](/free-tools).

Free

### Month-End Close Checklist (PDF)

The five-day close, one page to print. Enter your email and we send a link to confirm it is yours, then the download. We may email you about new toolkits, and every email has an unsubscribe link.

General information, not tax or legal advice. [How we write and check our tools](/editorial-standards).

Do it yourself

### Financial Ratio Analysis Workbook

Enter three years of statements and see margins, liquidity, leverage and efficiency ratios side by side, with what each one means in plain English.

[See what's inside ($29)](/toolkits/financial-ratio-analysis-workbook)14-day full refund

Tallyfinch

### Books you keep on your own computer

Tallyfinch does invoices, bills, bank import, reconciliation and the main reports, in a file you own. $99 once, then $5 a month for updates; the app keeps working if you stop the plan. It does not do payroll or sales tax filing. The free download records up to 60 entries.

[See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software) [Download it free](/tools/pro/trial/mccBooks) [Compare the three apps](/software)

## Want a balance sheet you can trust?

[See bookkeeping](/bookkeeping/)[Call (908) 444-6373](tel:+19084446373)