Business Page Calculator
Financial Ratio Calculator works out Current ratio and Quick (acid-test) ratio from Current assets, Inventory and Current liabilities. The default figures on this page give debt-service coverage ratio (DSCR) of 2.0000; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
1 step
- DSCR = net operating income / debt service = 100 / 50 = 2
Ratios computedtable
Its 5 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
3 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the Financial Ratio Calculator calculates
Computes liquidity, leverage, coverage and profitability ratios - current and quick ratios, working capital, debt-to-equity, interest coverage, DSCR, ROE, ROA, operating leverage, capital adequacy and P/E - from financial-statement line items.
How to use this Financial Ratio Calculator
Enter Current assets, Inventory, Current liabilities and Total debt. Current ratio updates as you type, and “Use a worked example” loads checked figures you can adjust. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Current ratio, Quick (acid-test) ratio and Net working capital.
The method follows Basel Committee on Banking Supervision, Basel III capital framework: capital ratio = eligible capital / risk-weighted assets, DuPont identity: equity multiplier (financial leverage) = total assets / total equity and Price/earnings ratio = market price per share / earnings per share.
Research R4363-GT-1: DSCR of 100 over 50 example
With Net operating income: 100, Annual debt service: 50, the calculator returns Debt-service coverage ratio (DSCR): 2, DSCR: 2. This example is checked against an independent source in the test suite.
What you can compare
Change one input at a time to see how it affects Current ratio, Quick (acid-test) ratio and Net working capital. The inputs you can vary are Current assets, Inventory, Current liabilities, Total debt, Total equity and Total assets.
Understanding Current ratio, Quick (acid-test) ratio and Net working capital
Ratio arithmetic on the figures you enter. Lenders, regulators and analysts define these line items differently (book versus market value, average versus closing balances, leases and off-balance-sheet items), so agree the definitions before relying on a figure.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
Which calculator is best for business?
Computes liquidity, leverage, coverage and profitability ratios - current and quick ratios, working capital, debt-to-equity, interest coverage, DSCR, ROE, ROA, operating leverage. On the figures this page opens with — net operating income 100 and annual debt service 50 — the debt-service coverage ratio (DSCR) is 2. Put your own figures in their place and the working updates beside the result.
How much is a business worth with $1,000,000 in sales?
On the figures this page opens with — net operating income 100 and annual debt service 50 — the debt-service coverage ratio (DSCR) is 2. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.
What information do I need for the Financial Ratio Calculator?
You need Current assets, Inventory, Current liabilities, Total debt, Total equity, Total assets, Net income and Average shareholders’ equity. The page opens with default figures that give debt-service coverage ratio (DSCR) of 2.0000, so you can see the scale before entering your own.
What does this Financial Ratio Calculator show?
It shows Current ratio, Quick (acid-test) ratio, Net working capital, Debt-to-equity ratio, Debt-to-assets ratio, Financial leverage (equity multiplier), Interest coverage ratio and Debt-service coverage ratio (DSCR), with the working and any warnings for your entries.
Can I check how the Financial Ratio Calculator result was calculated?
Yes. The “How this is worked out” section shows the calculation steps, and the sources section identifies the references used for the method.