Net Worth Calculator
Calculate your total personal net worth by tallying financial assets, real estate, cash, and deducting liabilities and debts.
About Personal Net Worth
Net worth is the definitive metric of personal balance sheet health. It reflects the total monetary value remaining if all physical and liquid assets were liquidated and every outstanding debt settled.
Formula
Net Worth = Total Assets - Total Liabilities
- Total Assets: Liquid cash, investment holdings, retirement funds, and real property equity.
- Total Liabilities: Mortgages, auto loans, educational debt, and revolving credit lines.
Worked Example
With $475,000 in cumulative asset valuation ($25k cash + $150k portfolio + $300k home) against $235,000 in liabilities ($220k mortgage + $15k loans):
- Net Worth: $475,000 - $235,000 = $240,000
- Debt-to-Asset Ratio: ~49.5%
Frequently Asked Questions
Should primary residence home value be counted in net worth?
Yes, but conservative accounting uses realistic conservative market resale value minus selling commissions and outstanding mortgage debt.
Can personal net worth be negative?
Yes. Recent graduates or consumers carrying unsecured debt loads exceeding savings often register negative net worth temporarily.
How often should net worth be tracked?
Most wealth planners advise tallying personal net worth quarterly or semi-annually to track long-term trajectories while filtering short-term market noise.
What is Liquid Net Worth?
Liquid net worth excludes illiquid real estate and early-withdrawal-penalized retirement holdings, counting only assets convertible into cash within days.
Calculate in three steps
- 1Enter your valuesUse the fields above and check the units shown beside each input.
- 2Run the calculationSelect Calculate to refresh the result with your latest values.
- 3Review or shareCompare the result, reset the form, print it, or share this page.