Net Worth Calculator

This net worth calculator gives you a simple balance-sheet view of your finances by adding up assets and subtracting liabilities.

Net worth is one of the cleanest long-term financial progress metrics because it captures both what you own and what you owe.

The goal is not to produce a perfect valuation down to the cent. The goal is to create a consistent snapshot you can update over time.

Enter core asset values first, then add major liabilities in Advanced options.

Use conservative estimates for assets that are not highly liquid or are difficult to price.

Track changes over time using the same approach each time rather than obsessing over small valuation noise.

Total assets are summed across cash, investments, retirement accounts, property, and other assets.

Total liabilities are summed across mortgage debt, consumer debt, and other liabilities.

Net worth equals total assets minus total liabilities. Liability ratio shows how large liabilities are relative to assets.

A household may have significant assets but still a modest net worth if mortgage debt and consumer debt remain high.

That does not necessarily mean the balance sheet is weak. It simply clarifies where leverage still shapes the picture.

Rising net worth over time usually reflects either increasing assets, falling liabilities, or both.

The liability ratio can help you see whether leverage remains high even when asset values look impressive.