{"product_id":"cash-ratio","title":"Cash Ratio Calculator","description":"\u003cstyle\u003e\n.cr-calculator {\n  --ink: #0f172a;\n  --muted: #475569;\n  --border: #e2e8f0;\n  --surface: #ffffff;\n  --tint: #f8fafc;\n  --primary: #1d4ed8;\n  --accent: #c2410c;\n  --accent-hover: #9a3412;\n  --chart-1: #1e40af;\n  --chart-2: #0d9488;\n  --chart-3: #7c3aed;\n  --chart-4: #be185d;\n  --chart-5: #334155;\n  width: 100%;\n  max-width: 1200px;\n  margin: 0 auto;\n  color: var(--ink);\n  background: var(--surface);\n  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, \"Segoe UI\", sans-serif;\n  font-size: 15px;\n  line-height: 1.55;\n  container-type: inline-size;\n}\n.cr-calculator,\n.cr-calculator *,\n.cr-calculator *::before,\n.cr-calculator *::after {\n  box-sizing: border-box;\n}\n.cr-calculator * {\n  min-width: 0;\n}\n.cr-calculator h2,\n.cr-calculator h3,\n.cr-calculator p {\n  margin-top: 0;\n}\n.cr-calculator h2 {\n  margin-bottom: 8px;\n  font-size: 24px;\n  line-height: 1.25;\n  font-weight: 700;\n  letter-spacing: -0.02em;\n}\n.cr-calculator h3 {\n  margin-bottom: 16px;\n  font-size: 18px;\n  line-height: 1.35;\n  font-weight: 650;\n  letter-spacing: -0.01em;\n}\n.cr-calculator a {\n  color: var(--primary);\n  text-decoration-thickness: 1px;\n  text-underline-offset: 3px;\n}\n.cr-calculator a:hover {\n  text-decoration-thickness: 2px;\n}\n.cr-header {\n  padding: 24px;\n  border: 1px solid var(--border);\n  border-bottom: 0;\n  border-radius: 8px 8px 0 0;\n  background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);\n}\n.cr-subtitle {\n  max-width: 760px;\n  margin-bottom: 16px;\n  color: var(--muted);\n}\n.cr-pills {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 8px;\n}\n.cr-pill {\n  display: inline-flex;\n  align-items: baseline;\n  gap: 6px;\n  padding: 6px 10px;\n  border: 1px solid var(--border);\n  border-radius: 999px;\n  background: var(--surface);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.cr-pill strong {\n  color: var(--ink);\n  font-variant-numeric: tabular-nums;\n}\n.cr-toolbar {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: center;\n  gap: 12px;\n  padding: 16px 24px;\n  border: 1px solid var(--border);\n  background: var(--surface);\n}\n.cr-button {\n  min-height: 46px;\n  border-radius: 6px;\n  border: 1px solid transparent;\n  padding: 12px 18px;\n  font: inherit;\n  font-size: 15px;\n  font-weight: 650;\n  line-height: 1.2;\n  cursor: pointer;\n  transition: background-color .15s ease, border-color .15s ease, box-shadow .15s ease, transform .15s ease;\n}\n.cr-button:hover {\n  box-shadow: 0 2px 6px rgba(15, 23, 42, .12);\n}\n.cr-button:active {\n  transform: translateY(1px);\n}\n.cr-button:focus-visible,\n.cr-input:focus-visible,\n.cr-select:focus-visible,\n.cr-radio-label:has(input:focus-visible) {\n  outline: 3px solid rgba(29, 78, 216, .34);\n  outline-offset: 2px;\n}\n.cr-download {\n  display: inline-flex;\n  align-items: center;\n  gap: 10px;\n  white-space: nowrap;\n  color: #ffffff;\n  background: var(--accent);\n  border-color: var(--accent);\n}\n.cr-download:hover {\n  background: var(--accent-hover);\n  border-color: var(--accent-hover);\n}\n.cr-download:disabled {\n  cursor: not-allowed;\n  opacity: .62;\n  box-shadow: none;\n  transform: none;\n}\n.cr-reset {\n  color: var(--ink);\n  background: var(--surface);\n  border-color: #cbd5e1;\n}\n.cr-reset:hover {\n  background: var(--tint);\n  border-color: #94a3b8;\n}\n.cr-icon {\n  width: 18px;\n  height: 18px;\n  flex: 0 0 auto;\n}\n.cr-workspace {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr);\n  gap: 16px;\n  padding: 24px;\n  border: 1px solid var(--border);\n  border-top: 0;\n  background: var(--tint);\n}\n.cr-card,\n.cr-chart-card,\n.cr-table-card,\n.cr-education {\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  background: var(--surface);\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .06);\n}\n.cr-card {\n  padding: 24px;\n}\n.cr-fieldset {\n  margin: 0 0 20px;\n  padding: 0;\n  border: 0;\n}\n.cr-legend-title,\n.cr-label {\n  display: block;\n  margin-bottom: 8px;\n  color: var(--ink);\n  font-size: 14px;\n  font-weight: 600;\n  line-height: 1.35;\n}\n.cr-segmented {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 8px;\n}\n.cr-radio-label {\n  position: relative;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 44px;\n  padding: 9px 12px;\n  border: 1px solid #cbd5e1;\n  border-radius: 6px;\n  background: var(--surface);\n  color: var(--muted);\n  font-size: 14px;\n  font-weight: 600;\n  text-align: center;\n  cursor: pointer;\n}\n.cr-radio-label:has(input:checked) {\n  border-color: var(--primary);\n  color: #173a88;\n  background: #eff6ff;\n  box-shadow: inset 0 0 0 1px var(--primary);\n}\n.cr-radio-label input {\n  position: absolute;\n  width: 1px;\n  height: 1px;\n  opacity: 0;\n}\n.cr-form-grid {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr);\n  gap: 16px;\n}\n.cr-field {\n  display: flex;\n  flex-direction: column;\n}\n.cr-input,\n.cr-select {\n  width: 100%;\n  min-height: 46px;\n  border: 1px solid #cbd5e1;\n  border-radius: 6px;\n  padding: 10px 12px;\n  color: var(--ink);\n  background: var(--surface);\n  font: inherit;\n  font-size: 15px;\n  font-variant-numeric: tabular-nums;\n}\n.cr-input:hover,\n.cr-select:hover {\n  border-color: #94a3b8;\n}\n.cr-input:disabled {\n  color: #64748b;\n  background: #f1f5f9;\n  cursor: not-allowed;\n}\n.cr-helper,\n.cr-error {\n  min-height: 20px;\n  margin-top: 6px;\n  font-size: 13px;\n  font-weight: 500;\n  line-height: 1.45;\n}\n.cr-helper {\n  color: var(--muted);\n}\n.cr-error {\n  color: #b42318;\n}\n.cr-field[hidden],\n.cr-form-grid[hidden],\n.cr-chart-cluster[hidden],\n.cr-chart-table-wrap[hidden],\n.cr-empty[hidden] {\n  display: none !important;\n}\n.cr-result-primary {\n  padding: 20px;\n  border-left: 4px solid var(--primary);\n  border-radius: 6px;\n  background: #eff6ff;\n}\n.cr-result-kicker {\n  margin-bottom: 4px;\n  color: #1e3a8a;\n  font-size: 13px;\n  font-weight: 650;\n  text-transform: uppercase;\n  letter-spacing: .06em;\n}\n.cr-result-value {\n  margin-bottom: 6px;\n  color: var(--ink);\n  font-size: 30px;\n  line-height: 1.15;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  overflow-wrap: anywhere;\n}\n.cr-result-text {\n  margin: 0;\n  color: #334155;\n}\n.cr-stat-grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 12px;\n  margin-top: 16px;\n}\n.cr-stat {\n  padding: 14px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: var(--surface);\n}\n.cr-stat-label {\n  margin-bottom: 4px;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.cr-stat-value {\n  color: var(--ink);\n  font-size: 20px;\n  line-height: 1.25;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n  overflow-wrap: anywhere;\n}\n.cr-formula {\n  margin-top: 16px;\n  padding: 12px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: var(--tint);\n  color: #334155;\n  font-size: 13px;\n  font-weight: 500;\n  overflow-wrap: anywhere;\n}\n.cr-formula strong {\n  color: var(--ink);\n}\n.cr-section {\n  padding: 24px;\n  border: 1px solid var(--border);\n  border-top: 0;\n  background: var(--surface);\n}\n.cr-chart-card,\n.cr-table-card {\n  padding: 24px;\n}\n.cr-chart-intro {\n  max-width: 780px;\n  margin-bottom: 16px;\n  color: var(--muted);\n}\n.cr-chart-cluster {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr);\n  align-items: center;\n  justify-content: center;\n  gap: 24px;\n  max-width: 880px;\n  margin: 0 auto;\n}\n.cr-plot-wrap {\n  width: 100%;\n  max-width: 560px;\n  margin: 0 auto;\n}\n.cr-chart-svg {\n  display: block;\n  width: 100%;\n  height: auto;\n  overflow: visible;\n}\n.cr-legend {\n  display: grid;\n  gap: 10px;\n  align-content: center;\n  width: fit-content;\n  max-width: 100%;\n  margin: 0 auto;\n}\n.cr-legend-row {\n  display: grid;\n  grid-template-columns: 12px minmax(110px, max-content) max-content;\n  align-items: center;\n  column-gap: 12px;\n  row-gap: 4px;\n  color: var(--ink);\n  font-size: 13px;\n  font-weight: 500;\n}\n.cr-swatch {\n  width: 12px;\n  height: 12px;\n  border-radius: 3px;\n}\n.cr-legend-value {\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n}\n.cr-chart-table-wrap {\n  overflow-x: auto;\n  margin-top: 24px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n}\n.cr-chart-table,\n.cr-table {\n  width: 100%;\n  min-width: 520px;\n  border-collapse: collapse;\n  font-size: 14px;\n  font-variant-numeric: tabular-nums;\n}\n.cr-chart-table th,\n.cr-chart-table td,\n.cr-table th,\n.cr-table td {\n  padding: 11px 12px;\n  border-bottom: 1px solid var(--border);\n  text-align: left;\n  vertical-align: top;\n}\n.cr-chart-table th,\n.cr-table th {\n  color: #ffffff;\n  background: #1e293b;\n  font-size: 13px;\n  font-weight: 650;\n}\n.cr-chart-table td:not(:first-child),\n.cr-chart-table th:not(:first-child),\n.cr-table td:not(:first-child),\n.cr-table th:not(:first-child) {\n  text-align: right;\n}\n.cr-chart-table tr:last-child td,\n.cr-table tr:last-child td {\n  border-bottom: 0;\n}\n.cr-chart-caption,\n.cr-table-note {\n  margin-top: 16px;\n  padding: 10px 12px;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  background: var(--tint);\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.cr-empty {\n  max-width: 560px;\n  margin: 0 auto;\n  padding: 16px;\n  border: 1px dashed #94a3b8;\n  border-radius: 6px;\n  background: var(--tint);\n  color: var(--muted);\n  text-align: center;\n  font-size: 13px;\n  font-weight: 500;\n}\n.cr-safe-chart-stack .cr-chart-cluster {\n  grid-template-columns: minmax(0, 1fr) !important;\n  gap: 20px !important;\n}\n.cr-safe-chart-stack .cr-legend {\n  width: 100%;\n  margin-top: 0;\n}\n.cr-safe-chart-stack .cr-chart-caption {\n  margin-top: 20px;\n}\n.cr-table-wrap {\n  overflow-x: auto;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n}\n.cr-safe-table-stack .cr-table-wrap {\n  margin-bottom: 0;\n}\n.cr-safe-table-stack .cr-table-note {\n  margin-top: 20px;\n}\n.cr-education {\n  padding: 32px 24px;\n  border-top: 0;\n  border-radius: 0 0 8px 8px;\n}\n.cr-education h2 {\n  margin-top: 0;\n  margin-bottom: 12px;\n  font-size: 24px;\n}\n.cr-education h3 {\n  margin-top: 28px;\n  margin-bottom: 10px;\n}\n.cr-education p {\n  max-width: 900px;\n  margin-bottom: 14px;\n  color: #334155;\n}\n.cr-education ul {\n  max-width: 900px;\n  margin: 0 0 16px;\n  padding-left: 22px;\n  color: #334155;\n}\n.cr-education li + li {\n  margin-top: 8px;\n}\n.cr-visually-hidden {\n  position: absolute !important;\n  width: 1px !important;\n  height: 1px !important;\n  padding: 0 !important;\n  margin: -1px !important;\n  overflow: hidden !important;\n  clip: rect(0, 0, 0, 0) !important;\n  white-space: nowrap !important;\n  border: 0 !important;\n}\n@container (min-width: 640px) {\n  .cr-form-grid {\n    grid-template-columns: repeat(2, minmax(0, 1fr));\n  }\n  .cr-chart-cluster {\n    grid-template-columns: minmax(280px, 540px) max-content;\n  }\n}\n@container (min-width: 900px) {\n  .cr-workspace {\n    grid-template-columns: minmax(0, .95fr) minmax(0, 1.05fr);\n  }\n}\n@container (max-width: 639px) {\n  .cr-header,\n  .cr-toolbar,\n  .cr-workspace,\n  .cr-section,\n  .cr-education {\n    padding-left: 16px;\n    padding-right: 16px;\n  }\n  .cr-card,\n  .cr-chart-card,\n  .cr-table-card {\n    padding: 16px;\n  }\n  .cr-stat-grid {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .cr-legend {\n    width: 100%;\n  }\n  .cr-legend-row {\n    grid-template-columns: 12px minmax(0, 1fr) max-content;\n  }\n  .cr-chart-caption,\n  .cr-table-note {\n    margin-top: 16px;\n  }\n}\n@container (max-width: 380px) {\n  .cr-segmented {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .cr-toolbar {\n    align-items: stretch;\n  }\n  .cr-button {\n    width: 100%;\n    justify-content: center;\n  }\n  .cr-result-value {\n    font-size: 28px;\n  }\n}\n@media (max-width: 639px) {\n  .cr-header,\n  .cr-toolbar,\n  .cr-workspace,\n  .cr-section,\n  .cr-education {\n    padding-left: 16px;\n    padding-right: 16px;\n  }\n  .cr-card,\n  .cr-chart-card,\n  .cr-table-card {\n    padding: 16px;\n  }\n  .cr-stat-grid {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .cr-legend {\n    width: 100%;\n  }\n  .cr-legend-row {\n    grid-template-columns: 12px minmax(0, 1fr) max-content;\n  }\n  .cr-chart-caption,\n  .cr-table-note {\n    margin-top: 16px;\n  }\n}\n@media (max-width: 380px) {\n  .cr-segmented {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .cr-toolbar {\n    align-items: stretch;\n  }\n  .cr-button {\n    width: 100%;\n    justify-content: center;\n  }\n  .cr-result-value {\n    font-size: 28px;\n  }\n}\n\u003c\/style\u003e\n\u003cdiv class=\"cr-calculator\" data-calculator-root\u003e\n  \u003cheader class=\"cr-header\"\u003e\n    \u003ch2\u003eCash Ratio Calculator\u003c\/h2\u003e\n    \u003cp class=\"cr-subtitle\"\u003eMeasure how much of a company’s current liabilities could be covered immediately using only cash and cash equivalents.\u003c\/p\u003e\n    \u003cdiv class=\"cr-pills\" aria-label=\"Live calculation summary\"\u003e\n      \u003cspan class=\"cr-pill\"\u003eRatio \u003cstrong data-cr-pill-ratio\u003e1.20×\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"cr-pill\"\u003eCoverage \u003cstrong data-cr-pill-coverage\u003e120.00%\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"cr-pill\"\u003ePosition \u003cstrong data-cr-pill-position\u003eAbove liabilities\u003c\/strong\u003e\u003c\/span\u003e\n    \u003c\/div\u003e\n  \u003c\/header\u003e\n\n  \u003cdiv class=\"cr-toolbar\" aria-label=\"Calculator actions\"\u003e\n    \u003cbutton class=\"cr-button cr-download\" type=\"button\" data-cr-download\u003e\n      \u003csvg class=\"cr-icon\" viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"\u003e\n        \u003cpath fill=\"currentColor\" d=\"M12 3a1 1 0 0 1 1 1v8.59l2.3-2.3a1 1 0 1 1 1.4 1.42l-4 4a1 1 0 0 1-1.4 0l-4-4a1 1 0 0 1 1.4-1.42l2.3 2.3V4a1 1 0 0 1 1-1Zm-7 14a1 1 0 0 1 1 1v1h12v-1a1 1 0 1 1 2 0v2a1 1 0 0 1-1 1H5a1 1 0 0 1-1-1v-2a1 1 0 0 1 1-1Z\"\u003e\u003c\/path\u003e\n      \u003c\/svg\u003e\n      \u003cspan\u003eDownload Excel\u003c\/span\u003e\n    \u003c\/button\u003e\n    \u003cbutton class=\"cr-button cr-reset\" type=\"button\" data-cr-reset\u003eReset\u003c\/button\u003e\n  \u003c\/div\u003e\n\n  \u003cdiv class=\"cr-workspace\"\u003e\n    \u003csection class=\"cr-card\" aria-labelledby=\"cr-inputs-heading\"\u003e\n      \u003ch3 id=\"cr-inputs-heading\"\u003eInputs\u003c\/h3\u003e\n      \u003cfieldset class=\"cr-fieldset\"\u003e\n        \u003clegend class=\"cr-legend-title\"\u003eHow will you enter cash and cash equivalents?\u003c\/legend\u003e\n        \u003cdiv class=\"cr-segmented\"\u003e\n          \u003clabel class=\"cr-radio-label\" for=\"cr-mode-total\"\u003e\n            \u003cinput id=\"cr-mode-total\" name=\"cr-cash-mode\" type=\"radio\" value=\"total\" data-cr-mode checked\u003e\n            Total amount\n          \u003c\/label\u003e\n          \u003clabel class=\"cr-radio-label\" for=\"cr-mode-components\"\u003e\n            \u003cinput id=\"cr-mode-components\" name=\"cr-cash-mode\" type=\"radio\" value=\"components\" data-cr-mode\u003e\n            Add components\n          \u003c\/label\u003e\n        \u003c\/div\u003e\n      \u003c\/fieldset\u003e\n\n      \u003cdiv class=\"cr-form-grid\" data-cr-total-fields\u003e\n        \u003cdiv class=\"cr-field\"\u003e\n          \u003clabel class=\"cr-label\" for=\"cr-cash-total\"\u003eCash and cash equivalents\u003c\/label\u003e\n          \u003cinput class=\"cr-input\" id=\"cr-cash-total\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"$14,400,000.00\" data-cr-field=\"cashTotal\" data-cr-currency\u003e\n          \u003cdiv class=\"cr-helper\"\u003eUse the balance-sheet total for unrestricted cash and qualifying near-cash assets.\u003c\/div\u003e\n          \u003cdiv class=\"cr-error\" data-cr-error=\"cashTotal\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"cr-form-grid\" data-cr-component-fields hidden\u003e\n        \u003cdiv class=\"cr-field\"\u003e\n          \u003clabel class=\"cr-label\" for=\"cr-cash-balance\"\u003eCash balance\u003c\/label\u003e\n          \u003cinput class=\"cr-input\" id=\"cr-cash-balance\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"$1,200,000.00\" data-cr-field=\"cashBalance\" data-cr-currency\u003e\n          \u003cdiv class=\"cr-helper\"\u003eCash on hand and immediately available operating cash.\u003c\/div\u003e\n          \u003cdiv class=\"cr-error\" data-cr-error=\"cashBalance\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"cr-field\"\u003e\n          \u003clabel class=\"cr-label\" for=\"cr-demand-deposits\"\u003eDemand deposits\u003c\/label\u003e\n          \u003cinput class=\"cr-input\" id=\"cr-demand-deposits\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"$3,200,000.00\" data-cr-field=\"demandDeposits\" data-cr-currency\u003e\n          \u003cdiv class=\"cr-helper\"\u003eChecking and demand accounts available without a maturity delay.\u003c\/div\u003e\n          \u003cdiv class=\"cr-error\" data-cr-error=\"demandDeposits\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"cr-field\"\u003e\n          \u003clabel class=\"cr-label\" for=\"cr-savings\"\u003eSavings accounts\u003c\/label\u003e\n          \u003cinput class=\"cr-input\" id=\"cr-savings\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"$500,000.00\" data-cr-field=\"savingsAccounts\" data-cr-currency\u003e\n          \u003cdiv class=\"cr-helper\"\u003eInclude only amounts available for near-term obligations.\u003c\/div\u003e\n          \u003cdiv class=\"cr-error\" data-cr-error=\"savingsAccounts\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"cr-field\"\u003e\n          \u003clabel class=\"cr-label\" for=\"cr-money-market\"\u003eMoney market funds\u003c\/label\u003e\n          \u003cinput class=\"cr-input\" id=\"cr-money-market\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"$5,300,000.00\" data-cr-field=\"moneyMarketFunds\" data-cr-currency\u003e\n          \u003cdiv class=\"cr-helper\"\u003eUse highly liquid holdings with insignificant value-change risk.\u003c\/div\u003e\n          \u003cdiv class=\"cr-error\" data-cr-error=\"moneyMarketFunds\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"cr-field\"\u003e\n          \u003clabel class=\"cr-label\" for=\"cr-treasury-bills\"\u003eTreasury bills\u003c\/label\u003e\n          \u003cinput class=\"cr-input\" id=\"cr-treasury-bills\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"$4,200,000.00\" data-cr-field=\"treasuryBills\" data-cr-currency\u003e\n          \u003cdiv class=\"cr-helper\"\u003eInclude only short-term instruments treated as cash equivalents.\u003c\/div\u003e\n          \u003cdiv class=\"cr-error\" data-cr-error=\"treasuryBills\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"cr-form-grid\"\u003e\n        \u003cdiv class=\"cr-field\"\u003e\n          \u003clabel class=\"cr-label\" for=\"cr-current-liabilities\"\u003eCurrent liabilities\u003c\/label\u003e\n          \u003cinput class=\"cr-input\" id=\"cr-current-liabilities\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"$12,000,000.00\" data-cr-field=\"currentLiabilities\" data-cr-currency\u003e\n          \u003cdiv class=\"cr-helper\"\u003eEnter obligations due within the operating cycle or the next 12 months.\u003c\/div\u003e\n          \u003cdiv class=\"cr-error\" data-cr-error=\"currentLiabilities\" aria-live=\"polite\"\u003e\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"cr-card\" aria-labelledby=\"cr-results-heading\"\u003e\n      \u003ch3 id=\"cr-results-heading\"\u003eLive results\u003c\/h3\u003e\n      \u003cdiv class=\"cr-result-primary\"\u003e\n        \u003cdiv class=\"cr-result-kicker\"\u003eCash ratio\u003c\/div\u003e\n        \u003cdiv class=\"cr-result-value\" data-cr-ratio\u003e1.20×\u003c\/div\u003e\n        \u003cp class=\"cr-result-text\" data-cr-interpretation\u003eCash and cash equivalents exceed current liabilities by $2,400,000.00.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"cr-stat-grid\"\u003e\n        \u003cdiv class=\"cr-stat\"\u003e\n          \u003cdiv class=\"cr-stat-label\"\u003eCash and equivalents\u003c\/div\u003e\n          \u003cdiv class=\"cr-stat-value\" data-cr-cash\u003e$14,400,000.00\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"cr-stat\"\u003e\n          \u003cdiv class=\"cr-stat-label\"\u003eCurrent liabilities\u003c\/div\u003e\n          \u003cdiv class=\"cr-stat-value\" data-cr-liabilities\u003e$12,000,000.00\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"cr-stat\"\u003e\n          \u003cdiv class=\"cr-stat-label\"\u003eImmediate coverage\u003c\/div\u003e\n          \u003cdiv class=\"cr-stat-value\" data-cr-coverage\u003e120.00%\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"cr-stat\"\u003e\n          \u003cdiv class=\"cr-stat-label\"\u003eCash surplus \/ shortfall\u003c\/div\u003e\n          \u003cdiv class=\"cr-stat-value\" data-cr-surplus\u003e$2,400,000.00\u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"cr-formula\"\u003e\n\u003cstrong\u003eFormula:\u003c\/strong\u003e cash ratio = cash and cash equivalents ÷ current liabilities\u003c\/div\u003e\n      \u003cdiv class=\"cr-visually-hidden\" aria-live=\"polite\" data-cr-live\u003eCash ratio 1.20 times. Immediate coverage 120.00 percent.\u003c\/div\u003e\n    \u003c\/section\u003e\n  \u003c\/div\u003e\n\n  \u003csection class=\"cr-section\" aria-labelledby=\"cr-chart-heading\"\u003e\n    \u003cdiv class=\"cr-chart-card\" data-cr-chart-card\u003e\n      \u003ch3 id=\"cr-chart-heading\"\u003eCash versus current liabilities\u003c\/h3\u003e\n      \u003cp class=\"cr-chart-intro\" data-cr-chart-intro\u003eThe company has $1.20 of cash and cash equivalents for every $1.00 of current liabilities.\u003c\/p\u003e\n      \u003cdiv class=\"cr-empty\" data-cr-chart-empty hidden\u003eEnter values above to see the liquidity comparison.\u003c\/div\u003e\n      \u003cdiv class=\"cr-chart-cluster\" data-cr-chart-cluster\u003e\n        \u003cdiv class=\"cr-plot-wrap\" data-cr-plot-wrap\u003e\n          \u003csvg class=\"cr-chart-svg\" data-cr-chart-svg role=\"img\" aria-labelledby=\"cr-chart-heading cr-chart-description\" viewbox=\"0 0 520 270\" preserveaspectratio=\"xMidYMid meet\"\u003e\u003c\/svg\u003e\n          \u003cdiv class=\"cr-visually-hidden\" id=\"cr-chart-description\" data-cr-chart-description\u003eCash and cash equivalents are 14.4 million dollars and current liabilities are 12 million dollars.\u003c\/div\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"cr-legend\" data-cr-legend aria-label=\"Chart legend\"\u003e\u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"cr-chart-table-wrap\" data-cr-chart-table-wrap\u003e\n        \u003ctable class=\"cr-chart-table\"\u003e\n          \u003cthead\u003e\n            \u003ctr\u003e\n              \u003cth scope=\"col\"\u003eSeries\u003c\/th\u003e\n              \u003cth scope=\"col\"\u003eAmount\u003c\/th\u003e\n              \u003cth scope=\"col\"\u003eRelative to larger amount\u003c\/th\u003e\n            \u003c\/tr\u003e\n          \u003c\/thead\u003e\n          \u003ctbody data-cr-chart-table-body\u003e\u003c\/tbody\u003e\n        \u003c\/table\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"cr-chart-caption\" data-cr-chart-caption\u003eCash exceeds current liabilities by $2,400,000.00, so immediate cash coverage is above 100%.\u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"cr-section\" aria-labelledby=\"cr-table-heading\"\u003e\n    \u003cdiv class=\"cr-table-card\" data-cr-table-card\u003e\n      \u003ch3 id=\"cr-table-heading\"\u003eCalculation detail\u003c\/h3\u003e\n      \u003cdiv class=\"cr-table-wrap\" data-cr-table-wrap\u003e\n        \u003ctable class=\"cr-table\"\u003e\n          \u003cthead\u003e\n            \u003ctr\u003e\n              \u003cth scope=\"col\"\u003eMetric\u003c\/th\u003e\n              \u003cth scope=\"col\"\u003eValue\u003c\/th\u003e\n              \u003cth scope=\"col\"\u003eMeaning\u003c\/th\u003e\n            \u003c\/tr\u003e\n          \u003c\/thead\u003e\n          \u003ctbody data-cr-detail-body\u003e\u003c\/tbody\u003e\n        \u003c\/table\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"cr-table-note\" data-cr-table-note\u003eThe ratio is a point-in-time liquidity measure. Compare it with prior periods, peer companies, and the timing of expected cash inflows and payments.\u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"cr-education\" aria-labelledby=\"cr-guide-heading\"\u003e\n    \u003ch2 id=\"cr-guide-heading\"\u003eHow to use and interpret the cash ratio\u003c\/h2\u003e\n    \u003cp\u003eThe cash ratio estimates whether a company could meet its current liabilities using only cash and cash equivalents. It is deliberately stricter than the current ratio or quick ratio because it excludes receivables, inventory, prepaid expenses, and other assets that may require time or a discount to convert into cash. The result is a conservative snapshot of immediate liquidity rather than a complete verdict on financial health.\u003c\/p\u003e\n\n    \u003ch3\u003eEntering the inputs\u003c\/h3\u003e\n    \u003cp\u003eChoose \u003cstrong\u003eTotal amount\u003c\/strong\u003e when the balance sheet already reports one combined cash and cash equivalents figure. Enter that balance in U.S. dollars. It should normally exclude restricted cash that cannot be used for routine obligations. The \u003ca href=\"https:\/\/www.ifrs.org\/issued-standards\/list-of-standards\/ias-7-statement-of-cash-flows\/\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eIFRS Foundation’s IAS 7 overview\u003c\/a\u003e describes cash equivalents as short-term, highly liquid investments that are readily convertible to known amounts of cash and subject to insignificant value-change risk.\u003c\/p\u003e\n    \u003cp\u003eChoose \u003cstrong\u003eAdd components\u003c\/strong\u003e when you need to assemble the numerator from separate accounts. \u003cstrong\u003eCash balance\u003c\/strong\u003e covers cash on hand and immediately available operating balances. \u003cstrong\u003eDemand deposits\u003c\/strong\u003e generally include checking and similar accounts available on demand. \u003cstrong\u003eSavings accounts\u003c\/strong\u003e should include only unrestricted amounts available for near-term use. \u003cstrong\u003eMoney market funds\u003c\/strong\u003e belong in the calculation only when they meet the company’s accounting policy for cash equivalents. \u003cstrong\u003eTreasury bills\u003c\/strong\u003e should be short-term and highly liquid; longer-maturity securities may instead be classified as investments. Higher component balances increase the ratio one-for-one because they increase the numerator.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eCurrent liabilities\u003c\/strong\u003e are obligations expected to be settled within the operating cycle or within roughly 12 months, depending on the applicable accounting framework. They commonly include accounts payable, accrued expenses, short-term borrowings, taxes payable, and the current portion of long-term debt. The \u003ca href=\"https:\/\/www.sec.gov\/resources-small-businesses\/glossary\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eU.S. SEC small-business glossary\u003c\/a\u003e provides a concise definition, while the \u003ca href=\"https:\/\/www.sec.gov\/about\/reports-publications\/investorpubsbegfinstmtguide\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eSEC guide to financial statements\u003c\/a\u003e explains how the balance sheet presents what a company owns and owes. Increasing current liabilities lowers the ratio because the denominator becomes larger.\u003c\/p\u003e\n\n    \u003ch3\u003eUnderstanding each result\u003c\/h3\u003e\n    \u003cp\u003e\u003cstrong\u003eCash ratio\u003c\/strong\u003e is the primary result. A value of 1.00× means cash and cash equivalents equal current liabilities. A value below 1.00× means the company does not hold enough immediate cash to cover all current liabilities at that date. A value above 1.00× means it could theoretically cover them and retain some cash. Zero means there is no qualifying cash in the numerator. The result is not defined when current liabilities are zero, because division by zero has no meaningful financial interpretation.\u003c\/p\u003e\n    \u003cp\u003e\u003cstrong\u003eImmediate coverage\u003c\/strong\u003e restates the same relationship as a percentage. For example, 1.20× equals 120.00%. \u003cstrong\u003eCash surplus \/ shortfall\u003c\/strong\u003e subtracts current liabilities from cash and cash equivalents. A positive number is the cash remaining after covering the stated liabilities; a negative number is the amount not covered by immediate cash. \u003cstrong\u003eCash and equivalents\u003c\/strong\u003e and \u003cstrong\u003ecurrent liabilities\u003c\/strong\u003e repeat the exact model amounts so the ratio can be audited quickly.\u003c\/p\u003e\n    \u003cp\u003eThe comparison chart displays both balance-sheet amounts on the same scale. Bar length shows the relative size of each amount, the legend provides exact values, and the chart data table states each amount as a percentage of the larger one. The calculation-detail table then cross-checks the formula, percentage coverage, and dollar surplus or shortfall. Every visual and table updates from the same current inputs.\u003c\/p\u003e\n\n    \u003ch3\u003eFormula and practical interpretation\u003c\/h3\u003e\n    \u003cp\u003eThe model uses a single formula: \u003cstrong\u003ecash ratio = cash and cash equivalents ÷ current liabilities\u003c\/strong\u003e. In the starting example, $14.4 million divided by $12.0 million equals 1.20×. The same relationship can be expressed as 120.00% immediate coverage and a $2.4 million cash surplus. The \u003ca href=\"https:\/\/www.investopedia.com\/terms\/c\/cash-ratio.asp\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eInvestopedia cash-ratio overview\u003c\/a\u003e provides additional examples and contrasts this measure with broader liquidity ratios.\u003c\/p\u003e\n    \u003cp\u003eA higher ratio generally indicates stronger immediate liquidity, but “higher” is not automatically “better.” Excess cash may be intentional because of seasonality, acquisition plans, debt covenants, uncertain markets, or a need for operating resilience. It may also indicate that funds are idle and could potentially be deployed more productively. A low ratio may signal tighter liquidity, yet it can be normal for businesses with predictable daily cash receipts, fast inventory turnover, committed credit facilities, or favorable supplier terms.\u003c\/p\u003e\n\n    \u003ch3\u003eCommon mistakes and limitations\u003c\/h3\u003e\n    \u003cul\u003e\n      \u003cli\u003eDo not mix reporting dates. Cash and liabilities must come from the same balance-sheet date.\u003c\/li\u003e\n      \u003cli\u003eDo not include restricted cash or long-term investments merely because they appear liquid.\u003c\/li\u003e\n      \u003cli\u003eDo not omit major current liabilities such as accrued payroll, taxes payable, or the current portion of debt.\u003c\/li\u003e\n      \u003cli\u003eDo not treat a single ratio as a forecast. It does not model future operating cash flow, refinancing capacity, seasonality, or payment timing.\u003c\/li\u003e\n      \u003cli\u003eCompare like with like. Industry business models and working-capital cycles can make peer benchmarks more useful than a universal target.\u003c\/li\u003e\n    \u003c\/ul\u003e\n    \u003cp\u003eUse the cash ratio alongside cash-flow analysis, the quick ratio, the current ratio, profitability metrics, debt maturity information, and qualitative knowledge of the business. This calculator is an analytical aid and does not provide personalized accounting, investment, legal, or tax advice.\u003c\/p\u003e\n  \u003c\/section\u003e\n\u003c\/div\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49909481963763,"sku":"cash-ratio","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/cash-ratio.webp?v=1783935400","url":"https:\/\/financialmodelslab.com\/products\/cash-ratio","provider":"Financial Models Lab","version":"1.0","type":"link"}