Net Worth Calculator

How it works

The calculator sums six asset classes and six liability classes, then subtracts. Two habits make the number useful:

• Trend beats level — recompute quarterly; direction matters more than any single snapshot.
• Liability ratio — debts as a percentage of assets. Above ~50% signals borrowed-money concentration; below ~30% indicates owned equity doing the work.

Use conservative values for property and vehicles — resale estimates flatter. Retirement accounts count at full value despite access restrictions; they remain yours.

Formula used

• Assets — cash, investments, retirement, property, vehicles, other
• Liabilities — mortgage, auto, student, cards, medical, other
• Cadence — recompute quarterly and log the trend

Example calculation

The default figures produce $99,000 of assets against $32,700 of liabilities — a net worth of $66,300 with a liability ratio near $33. Clearing the $3,200 card balance lifts net worth dollar-for-dollar, while every new deposit improves both sides of the ratio simultaneously.

Assumptions & limitations

• Values reflect current fair estimates, not purchase prices.
• Future income, inheritances, and appreciation are excluded — this is a snapshot.
• Joint households should combine entries.
• Some planners exclude primary-residence value; include it consistently whichever way you choose.

Results are planning estimates based on your inputs and the stated assumptions — not financial advice or a loan offer. Verify important figures with your lender or advisor.