Liquid Net Worth Tool

Calculate the true cash-convertible value of your assets within 24–48 hours, net of immediate liabilities and penalties.

1. Liquid Assets (Full Value)

$
Checking, savings, and physical cash.
$
Stocks, ETFs, and mutual funds in non-retirement accounts.
$
Highly liquid crypto assets available for immediate cash conversion.

2. Semi-Liquid Assets (Subject to Penalties/Taxes)

$
Total balance across standard pre-tax retirement portfolios.
%
Typical deduction for early withdrawal (e.g., 10% penalty + 20% effective tax).
$
CDs with early withdrawal penalties.

3. Immediate Liabilities

$
Total balance currently outstanding on all credit cards.
$
Personal loans, tax bills, or payments due within 30 days.

Liquid Summary

Liquid Net Worth $0.00
Total Pure Liquidity $0.00
Post-Haircut Semi-Liquidity $0.00
(Haircut Deductions) $0.00
Immediate Liabilities $0.00
Liquidity Ratio Profile Calculating...

Enter your asset figures to assess your liquid health posture.