Enter Asset and Liability Values
Use this form to total balance sheet items, estimate equity, and review liquidity and leverage ratios from a single screen.
Example Data Table
Sample balance sheet values for a small business review.
| Item | Sample Value | Type |
|---|---|---|
| Cash | $18,000.00 | Current Asset |
| Accounts Receivable | $9,500.00 | Current Asset |
| Inventory | $12,000.00 | Current Asset |
| Property, Plant & Equipment | $55,000.00 | Non-Current Asset |
| Accounts Payable | $8,000.00 | Current Liability |
| Short-Term Debt | $6,000.00 | Current Liability |
| Long-Term Debt | $24,000.00 | Non-Current Liability |
| Total Assets | $102,500.00 | Calculated |
| Total Liabilities | $38,000.00 | Calculated |
| Net Worth / Equity | $64,500.00 | Calculated |
Formula Used
Total Current Assets = Cash + Accounts Receivable + Inventory + Prepaid Expenses + Short-Term Investments + Other Current Assets
Total Non-Current Assets = Property, Plant & Equipment + Long-Term Investments + Intangible Assets + Other Non-Current Assets
Total Assets = Total Current Assets + Total Non-Current Assets
Total Current Liabilities = Accounts Payable + Short-Term Debt + Accrued Expenses + Taxes Payable + Current Lease Liabilities + Other Current Liabilities
Total Non-Current Liabilities = Long-Term Debt + Deferred Tax Liabilities + Pension Liabilities + Long-Term Lease Liabilities + Other Non-Current Liabilities
Total Liabilities = Total Current Liabilities + Total Non-Current Liabilities
Net Worth / Equity = Total Assets − Total Liabilities
Working Capital = Total Current Assets − Total Current Liabilities
Quick Assets = Cash + Accounts Receivable + Short-Term Investments
Current Ratio = Total Current Assets ÷ Total Current Liabilities
Quick Ratio = Quick Assets ÷ Total Current Liabilities
Debt Ratio = Total Liabilities ÷ Total Assets
Liabilities to Equity = Total Liabilities ÷ Net Worth
Equity Ratio = Net Worth ÷ Total Assets
Asset Coverage Ratio = Total Assets ÷ Total Liabilities
How to Use This Calculator
- Enter all current asset values such as cash, receivables, inventory, and short-term investments.
- Add non-current assets including fixed assets, long-term investments, and intangible items.
- Fill in current liabilities like payables, taxes, accrued expenses, and short-term debt.
- Complete long-term liabilities such as long-term debt, pension obligations, and lease liabilities.
- Click Calculate to view totals, net worth, working capital, and major financial ratios.
- Review the interpretation note to understand whether liquidity or leverage may need attention.
- Use the CSV or PDF buttons to save results for reports, audits, or planning discussions.
Frequently Asked Questions
1. What does this calculator measure?
It totals asset and liability categories, then calculates net worth, working capital, and several balance sheet ratios that help assess liquidity and leverage.
2. What is net worth in this tool?
Net worth, also called equity, is the amount remaining after subtracting total liabilities from total assets. A negative figure means liabilities exceed assets.
3. Why is the current ratio important?
The current ratio compares current assets with current liabilities. It helps show whether short-term obligations can likely be covered with near-term resources.
4. What is the quick ratio?
The quick ratio removes inventory and prepaid items from short-term resources. It focuses on more liquid assets like cash, receivables, and short-term investments.
5. Can this calculator help with small business reviews?
Yes. It works well for small business snapshots, personal finance reviews, lender preparation, and internal balance sheet checks before reporting periods.
6. What happens if liabilities are zero?
Some ratios become unavailable because division by zero is not meaningful. The tool shows N/A instead of forcing an invalid result.
7. Should I include estimated values?
You can, but the output is only as reliable as the inputs. For reporting or lending decisions, use verified and current financial figures.
8. Does a high debt ratio always mean trouble?
Not always. Some industries operate with higher leverage. Still, a rising debt ratio usually deserves closer review alongside cash flow and earnings stability.