The estate appears able to meet the listed near-term obligations without a material funding gap.
Core estate view
Total liquid assets
€0
cash and fast-access funding
Immediate obligations
€0
due soon
Liquidity gap
€0
shortfall or surplus
Illiquid assets
€0
possible sale base
Liquid resources detail
Cash and money market
€0
Marketable securities
€0
Insurance and family funding
€0
Credit and other liquidity
€0
Total liquid resources
€0
Obligation detail
Tax and debts due
€0
Funeral and admin costs
€0
Other immediate costs
€0
Contingency buffer
€0
Total cash need
€0
Scenario comparison
Cash need
€0
obligations
Available liquidity
€0
resources
Assets to liquidate
0.0%
of illiquid pool
Cal insight
Enter liquid estate resources, near-term obligations and illiquid estate assets to estimate whether the estate faces a liquidity gap and possible forced sale pressure.
Liquidity comparison
Liquid resources
Cash need
Gap or surplus
Estate summary table
Measure
Amount
Funding response table
Scenario
Funding basis
Amount
Comment
What this calculator does
This calculator compares liquid estate resources against near-term cash obligations to estimate whether the estate can fund taxes, debts, funeral costs, probate expenses and other immediate costs without selling illiquid estate assets under pressure.
Core formulas
Total liquid resources = cash + near-cash assets + available funding
Immediate cash need = taxes + debts due + estate costs + contingency
Liquidity gap = immediate cash need − liquid resources
Illiquid asset sale ratio = liquidity gap ÷ illiquid estate assets
Why the liquidity gap matters
An estate may be asset-rich but cash-poor. If liquid assets are insufficient, heirs or executors may need to use credit, bridge funding or forced sales of property or business assets to meet urgent obligations.
How to use it properly
Include only assets that can realistically be converted or accessed within the available funding window. Keep illiquid assets separate. Use a contingency buffer because estate administration costs and timing often come in above initial estimates.
Frequently asked questions
It is the difference between the estate’s liquid funding sources and the estate’s near-term cash obligations. A positive gap usually means a shortfall.
Because large estate assets such as real estate or business interests may take time to sell and may not be available to fund urgent taxes and costs immediately.
Yes, if proceeds are actually available to the estate or beneficiaries in time to cover obligations.
It can be included as bridging liquidity if it is truly available and realistic, but it still creates repayment risk later.
It refers to the risk that the estate may need to sell illiquid assets quickly to meet cash needs, possibly at unfavorable timing or pricing.
No. It is a cash-planning estimate tool. Actual estate administration timing, tax rules and legal requirements can materially change the result.
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Estate Liquidity Gap Calculator Report
Liquid resources
€0
Immediate cash need
€0
Liquidity gap
€0
Sale pressure
0.0%
Illiquid estate assets€0
Contingency amount€0
Months available0
Liquidity coverage ratio0.0x
Funding statusCovered
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