Net Worth Calculator

Create a personal balance sheet by subtracting liabilities from assets.

Method and required inputs

Use current account balances and conservative asset values. Track the result consistently over time and explain major changes rather than treating net worth as a score or comparison with other households.

Net worth equals total assets minus total liabilities at one point in time. List cash, investments, retirement accounts, real estate, vehicles, and other meaningful assets, then subtract mortgages, loans, credit cards, taxes due, and other enforceable debts.

Read the complete result

Use conservative values that could reasonably be supported today. An illiquid asset is not equivalent to cash, and a vehicle or property value should reflect selling costs and current condition when those amounts are material. Do not count the same account in two categories.

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Compare changes over consistent intervals and explain the drivers. A higher net worth can come from saving, debt reduction, asset appreciation, or a revised valuation. A short-term decline may reflect market movement rather than a failure of the household plan.

Limits and verification

The calculation does not measure cash-flow stability, insurance coverage, taxes on unrealized gains, liquidity, or whether assets are accessible. Review those factors separately before using net worth to justify spending or borrowing.

This calculator is educational, not a quote, approval, guarantee, tax opinion, or individualized recommendation. Confirm material figures, current rules, and actual product terms before acting.

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