Liquidity Coverage Ratio Calculator

Work out liquidity coverage ratio instantly with clear inputs, formula shown and shareable results.

About Liquidity Coverage Ratio Calculator

The liquidity coverage ratio tests whether liquid assets survive thirty days of stressed outflows. Inflows are capped at 75% of outflows, so a bank cannot rely entirely on money coming in to meet money going out.

Formula

Liquidity coverage

LCR = HQLA / (outflows - min(inflows, 75% of outflows))

Worked example

With the default values below, Liquidity Coverage Ratio Calculator returns Liquidity Coverage Ratio of 93.333%. Change any input above and every figure here is recalculated in your browser.

Inputs used

High Quality Liquid Assetsminimum 0: 140,000,000
Stressed Outflows Over 30 Daysminimum 0: 220,000,000
Expected Inflows Over 30 Daysminimum 0: 70,000,000

Results

Liquidity Coverage Ratio: 93.333%
Net Stressed Outflows: $150,000,000.00
Liquid Asset Surplus: -$10,000,000.00
Inflows Allowed After The 75% Cap: $70,000,000.00

Step by step

1Values used
2Liquidity coverage
3Liquidity Coverage Ratio= 93.333
4Net Stressed Outflows= 150,000,000.00
5Liquid Asset Surplus= -10,000,000.00
6Inflows Allowed After The 75% Cap= 70,000,000.00

Assumptions and limits

The result is derived only from the 3 inputs listed above. Anything not among them is not part of the calculation.
In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
Figures are rounded for display to 3 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.

Frequently Asked Questions

Why cap the inflows?

Because in a stress the assumption that borrowers repay on time is exactly what fails. The cap forces a genuine asset buffer.

What qualifies as high quality liquid assets?

Central bank reserves and government securities primarily, with haircuts on lower-grade eligible assets.