30-yr fixed 6.43% ▾ 0.06 wk
15-yr fixed 5.79% ▾ 0.04 wk
HELOC avg 7.90% — no change
Auto 60-mo new 6.82% ▴ +0.03 mo
Personal 24-mo 11.57% ▾ 0.12 qtr
Credit card APR 21.52% ▴ +0.09 qtr
as of Jul 2, 2026 · Federal Reserve / Freddie Mac via FRED (St. Louis Fed)
Business Calculators

Financial Ratios Calculator

Turn your balance sheet into the liquidity and leverage ratios lenders and investors watch — current ratio, quick ratio and debt-to-equity.

Inputs
$
$
$
$
$

Estimates only. Change any value to recalculate instantly.

Current ratio 2.08× strong liquidity
Current ratio 2.08×
Quick ratio 1.42× excludes inventory
Debt-to-equity 0.88×
Working capital $130,000
Capital structure
Capital structure Debt: $350kEquity: $400k
  • Debt $350k
  • Equity $400k

The current and quick ratios measure your ability to cover short-term obligations; above 1.0 is the baseline, and 1.5–2.0 is comfortable. Debt-to-equity shows leverage — lower means less financial risk.

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.

More business tools