Net Worth Calculator
Assess your overarching financial health with a comprehensive personal balance sheet. Aggregate liquid cash, retirement investments, real estate, and liabilities to measure net wealth.
Bank accounts and emergency cash
401(k), IRA, stocks, mutual funds
Current market value of owned properties
Automobiles, jewelry, valuable property
Primary and secondary mortgage debt
Revolving card balances and personal notes
Federal and private education loans
Car financing, tax obligations, medical debt
Total Assets minus Total Liabilities
How to Use This Calculator
- Enter all cash reserves and bank account balances.
- Input total valuations of retirement accounts, stocks, and crypto.
- Enter the realistic fair market value of real estate and vehicles.
- Add up all liabilities including mortgages, student loans, and credit cards.
- Review your net worth figure and debt-to-asset leverage percentage.
Formula & Calculation Methodology
Fundamental balance sheet identity subtracting external contractual claims from gross household economic resources.
Worked Example
$525,000 in combined assets against $267,000 in combined debt
Frequently Asked Questions
Should I include my primary home in my net worth?↓
Yes, your home is an asset. To be accurate, record its realistic current market value and list the remaining mortgage balance under liabilities.
What is the difference between liquid and total net worth?↓
Liquid net worth excludes illiquid assets like real estate, retirement accounts with withdrawal penalties, and cars, focusing only on immediately spendable cash.
Can net worth be negative?↓
Yes, if your student loans, credit cards, or mortgages exceed the total resale value of everything you own, your net worth is negative.
How often should I recalculate my net worth?↓
Reviewing your personal balance sheet quarterly or annually provides valuable perspective on your long-term wealth progression without short-term market noise.
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Source Citation & Disclaimer
Informational tool only; not licensed tax, legal, or financial advice.