Net Worth Calculator
Assets − liabilities — a simple balance-sheet snapshot. Click any i for detail.
Assets & liabilities
Total assets ($)
i
Assets
Cash, investments, property, and other assets at market value. |
|
|---|---|
Total liabilities ($)
i
Liabilities
Mortgages, loans, credit cards, and other debts. |
How to use this calculator
- Sum assets at realistic market values.
- Sum all liabilities.
- Read net worth and whether assets exceed debts.
- Update periodically as balances change.
Results explained
Net worth is total assets minus total liabilities. Use market values for investments and conservative sale estimates for property. Human capital and pensions are often tracked separately.
Quick reference: net worth
net worth = assets − liabilities.
| Item | Detail |
|---|---|
| Assets | Cash, brokerage, home equity basis, etc. |
| Liabilities | Mortgage, student loans, cards |
| Negative NW | Liabilities exceed assets |
| Home value | Use a realistic sale estimate |
Snapshot only — not investment advice.
How the estimate is built
NW = assets − liabilities.
Example scenario
$250,000 assets − $120,000 liabilities → $130,000.
FAQ
Include home?
Yes, at estimated market value; put the mortgage in liabilities.
401(k) counts?
Usually yes as an asset (pre-tax).
Cosigned debt?
Include what you are responsible for.
Business equity?
Add a realistic valuation if material.