Liquid Assets Calculator
Calculate your liquid assets across 4 liquidity tiers and see your financial runway, liquid net worth, and emergency fund status.
Quick Start Templates
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What Are Liquid Assets?
Liquid assets are cash or assets that can be quickly converted to cash with minimal impact on their value. They provide financial flexibility for emergencies, opportunities, and major purchases.
Key Characteristics:
- Quick conversion to cash (days, not months)
- Minimal transaction costs
- Stable value (low volatility)
- No significant penalties for selling
Liquid vs Illiquid Assets
| Liquid Assets | Illiquid Assets |
|---|---|
| Checking Account | Primary Residence |
| Savings Account | Rental Property |
| Stocks & ETFs | Vehicles |
| Bonds | 401(k) / IRA (before 59½) |
| Money Market Funds | Private Equity / Art |
Why Liquid Assets Matter
Emergency Preparedness
Access cash quickly for medical emergencies, car repairs, or unexpected bills without going into debt.
Job Loss Protection
Cover 3-6 months of expenses while searching for new employment without depleting retirement accounts.
Opportunity Fund
Take advantage of investment opportunities or time-sensitive purchases when they arise.
Avoiding High-Interest Debt
Use liquid assets instead of credit cards or payday loans, saving thousands in interest.
Recommended Liquid Asset Amounts
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Tier 1 (Immediately Liquid): 3-6 months of essential expenses in savings/checking accounts
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Tier 2 (Highly Liquid): Additional 3-6 months in stocks, bonds, and ETFs for total 6-12 months coverage
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Tier 3-4: Investment portfolio can be less liquid, focusing on long-term growth
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Higher Amounts Needed For: Self-employed, single income households, uncertain job security, multiple dependents