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Working Capital Calculator

Calculate current assets, current liabilities, working capital, current ratio and quick ratio.

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Estimate only. Platform fees, taxes and policies vary by country, account, category and date. Verify important decisions against your current statement or official fee schedule.

Current Assets —
Current Liabilities —
Working Capital —
Current Ratio —
Quick Ratio —

Calculator guide

Assess short-term liquidity with consistent classifications

Working capital equals current assets minus current liabilities. The current ratio divides current assets by current liabilities, while the quick ratio excludes inventory from the numerator.

Classify balances using the same reporting date and accounting policy. Current generally refers to amounts expected to be realized or settled within the operating cycle or one year, depending on the framework.

A positive balance does not guarantee liquidity if receivables are overdue or inventory is slow-moving. A lower balance can still be manageable when cash conversion is fast and financing is reliable.

Compare ratios with cash-flow forecasts, payment terms, seasonality and covenant definitions. Different industries require different operating levels.

Formula

Assess short-term liquidity with consistent classifications

Working capital = Current assets − Current liabilities; Current ratio = Current assets ÷ Current liabilities; Quick ratio = (Current assets − Inventory) ÷ Current liabilities

  1. Add all current assets.
  2. Add all current liabilities.
  3. Subtract liabilities from assets.
  4. Calculate current and quick ratios.

Worked example

Worked example

Inputs

Scenario
$50,000 current assets and $22,000 current liabilities produce $28,000 working capital, a 2.27 current ratio and a 1.36 quick ratio when inventory is $20,000.

Results

Result
$50,000 current assets and $22,000 current liabilities produce $28,000 working capital, a 2.27 current ratio and a 1.36 quick ratio when inventory is $20,000.

Rounded planning example; replace assumptions in the live calculator.

Frequently asked questions

Working Capital Calculator FAQ

What should I verify before using this calculator?

Verify the reporting period, included cost categories, units, currency and source records. Save those assumptions with the result.

How accurate is the result?

The arithmetic follows the displayed formula. Accuracy depends on complete inputs, consistent definitions and values from the same reporting period.

Can I use another currency?

Yes. Keep every monetary input in the same currency. The calculator does not convert exchange rates.

Should I use forecast or actual data?

Use actual data for performance review and documented assumptions for planning. Label forecasts clearly and compare them with actual results later.

Why should I compare several periods?

One period can be distorted by seasonality, promotions, delayed payments or unusual purchases. A consistent trend is more informative.

Is this accounting, tax or professional advice?

No. It is an independent planning tool. Reconcile results with your accounting records and qualified advisers where required.

Are my inputs uploaded?

No. Calculator inputs are processed locally in the browser and do not need to be sent to a server.

Primary sources

Official references and further reading

Editorially reviewed: 2026-07-21

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