Measure the net worth you could actually access quickly, excluding property and pensions.
The result is the signed sum of its components: positive items are added and deductions subtracted. Expressing it as a share of the positive components shows how much of the gross figure survives to the bottom line. Working the liquidity position up from its components makes clear which line is moving it, which a single headline number hides.
Liquid Net Worth
Liquid Net Worth = Cash and instant-access savings + Taxable brokerage investments + Short-term bonds and money market funds − Credit card and short-term debt − Estimated tax on liquidating investments
Liquid Net Worth = Cash and instant-access savings + Taxable brokerage investments + Short-term bonds and money market funds − Credit card and short-term debt − Estimated tax on liquidating investments The result is the signed sum of its components: positive items are added and deductions subtracted. Expressing it as a share of the positive components shows how much of the gross figure survives to the bottom line.
Working the liquidity position up from its components makes clear which line is moving it, which a single headline number hides.
This calculator takes 5 inputs: Cash and instant-access savings, Taxable brokerage investments, Short-term bonds and money market funds, Credit card and short-term debt, Estimated tax on liquidating investments. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.