Net worth calculator
Put assets and liabilities in one place to create a financial snapshot you can review over time.
$60,000 assets · $10,000 liabilities
How it works
Net worth is total assets minus total liabilities. Record it monthly or quarterly using a consistent date and method; property, retirement accounts, vehicles, and business interests may need conservative estimates.
One number is not the whole picture
Net worth does not directly show cash flow, insurance coverage, income stability, or short-term repayment pressure. Read it alongside a budget, emergency fund, debt rates, and a goal timeline.
This is general educational information, not investment, tax, or financial advice.
Formula and calculation boundary
Net worth = the value of assets on one consistent date minus outstanding liabilities on that date. It is a balance-sheet snapshot, not income, cash flow, or investment performance.
Worked example
The default $10,000 cash plus $50,000 investments minus $10,000 debt produces $50,000 net worth. Moving debt between accounts does not change the total; repayment changes it only when cash and liability balances are recorded consistently.
Check before acting
- Use the same valuation date and avoid optimistic private-asset estimates.
- Separate liquid assets from property and retirement accounts.
- Track high-interest debt, cash flow, and insurance beside the headline number.
Questions people ask
Should a home be included?
It can be included at a conservative current value while the outstanding mortgage is listed as a liability. Also track liquid net worth separately.
How often should net worth be updated?
Monthly or quarterly is usually enough for planning. Consistency matters more than reacting to daily market moves.