Budget & Credit · personal balance sheet

Net Worth Calculator

Calculate what you own minus what you owe. Build a personal balance sheet, understand your liquidity, debt, and asset mix, and track your financial progress over time — with liquid and tangible net worth, home equity, a transparent balance-sheet score, an optional projection model, and a 12-sheet Excel workbook. Works in any currency.

Transparent assumptions Practical interpretation Private browser-side calculation Uses current values Download XLSX Works on any device
Calculate my net worth The net worth formula

Formula shown · assumptions stated.

Net worth is what you own minus what you owe. Add the current value of your assets, subtract your outstanding liabilities, and the result is your personal net worth. Use current market values for assets and outstanding balances for debts — net worth is a point-in-time snapshot, not income or guaranteed spendable wealth.

Calculator

Interactive net worth calculator

Quick Net WorthPoint-in-time snapshot

Your entries are calculated in your browser and never sent to a server. Do not enter account numbers, passwords, PAN/SSN/Aadhaar, bank logins, or exact property addresses — amounts only.

Formats numbers only — no exchange conversion. Enter all values in the same currency.

Adjusts examples like 401(k)/EPF/super. Never applies tax or legal rules.

Retirement accounts: Pension, provident fund, employer plan — use the latest statement value.

What you own (current values)
$

Accounts, deposits, and cash — current balances.

$

Brokerage, stocks, funds — latest market value.

$

Latest account values — pre-tax money may not be fully spendable.

$

Realistic current market value, not the purchase price.

$

Current resale value, not the loan amount.

$

Conservative estimate — can be uncertain and illiquid.

$

Valuables, money owed to you, anything else of value.

What you owe (outstanding balances)
$

Outstanding balance, not the original loan.

$

Outstanding balances.

$

Outstanding balances.

$

Carried balances — usually high-cost.

$

Outstanding balances.

$

Only debt you personally owe or guarantee.

$

Already owed now — taxes due, overdue bills.

$

Anything else owed.

Blank fields count as zero. For 78 detailed line items, liquidity classes, custom rows, and the projection, switch to the Full Balance Sheet.

Net worth

Positive

$241,500.00

What you own ($463,000) minus what you owe ($221,500). A point-in-time snapshot — not income or spendable cash.

Total assets

$463,000.00

Largest: Real estate (69.1%) · Liquid share 5.4%

Moderately concentrated

Total liabilities

$221,500.00

Largest: Secured debt (98.9%) · Secured 98.9% / unsecured 1.1%

Debt-to-asset ratio

Moderate leverage

47.8%

A general balance-sheet signal, not a universal rule. Asset-to-liability: 2.09×.

Liquid net worth

$22,500.00

Liquid assets ($25,000) minus due-now liabilities ($2,500) — closer to emergency flexibility than headline net worth.

Real estate equity

$110,000.00

Value $320,000 − mortgage $210,000. Real, but illiquid.

Balance sheet score

Strong balance sheet

92/100

  • Negative net worth Net worth is not negative — no deduction.—
  • Debt-to-asset above 50% Leverage at or below 50% — no deduction.—
  • Liquid assets below 5% Liquidity at or above 5% of assets — no deduction.—
  • High-interest debt present Cards / BNPL / payday balances present (−8 base, scaled to −15 by share of debt).-8.3
  • One asset group above 70% No asset group above 70% — no deduction.—
  • Uncertain / intangible above 25% Uncertain assets at or below 25% — no deduction.—

Educational estimate from your entered values — not a credit score, rating, or judgment.

Illiquid balance sheet

Most value is in property, vehicles, or long-term accounts. Real wealth — but slow to access when needed.

  • Credit card balances usually deserve attention because they can be high-cost debt.

Educational observations from your numbers — not financial, investment, credit, tax, or legal advice.

Your balance sheet at a glance

Assets → liabilities → net worth

Total assets$463,000
Total liabilities−$221,500
Net worth$241,500

Asset mix

$463,000Total assets
  • Liquid assets$25,000 · 5.4%
  • Investments$40,000 · 8.6%
  • Retirement / long-term accounts$60,000 · 13.0%
  • Real estate$320,000 · 69.1%
  • Vehicles & depreciating assets$18,000 · 3.9%

Liquidity stack

Liquid · $25,000Partially liquid · $40,000Illiquid · $398,000

Liability mix

Secured debt$219,000 · 98.9%
Unsecured debt$2,500 · 1.1%

Balance sheet detail

Net worth snapshot

Total assets

Value
$463,000.00

Total liabilities

Value
$221,500.00

Net worth

Value
$241,500.00

Liquid net worth

Value
$22,500.00

Tangible net worth

Value
$241,500.00

Investable assets (incl. retirement)

Value
$125,000.00

Debt-to-asset ratio

Value
47.8%

Liquidity ratio

Value
5.4%

Equity ratio

Value
52.2%
Assets breakdown

Liquid assets

Amount
$25,000.00
Liquidity
Liquid
% of assets
5.4%
Valuation note
Cash and anything spendable within days — accounts, deposits, cash equivalents.

Investments

Amount
$40,000.00
Liquidity
Partially liquid
% of assets
8.6%
Valuation note
Marketable investments — brokerage, stocks, funds, bonds, REITs.

Retirement / long-term accounts

Amount
$60,000.00
Liquidity
Illiquid
% of assets
13.0%
Valuation note
Latest account values. Pre-tax balances may not equal spendable cash.

Real estate

Amount
$320,000.00
Liquidity
Illiquid
% of assets
69.1%
Valuation note
Realistic current market values — not purchase prices.

Vehicles & depreciating assets

Amount
$18,000.00
Liquidity
Illiquid
% of assets
3.9%
Valuation note
Current resale values — vehicles usually depreciate.

Total assets

Amount
$463,000.00
Liquidity
% of assets
100%
Valuation note
Liabilities breakdown

Secured debt

Amount
$219,000.00
Type
Secured
% of liabilities
98.9%
Note
Debt backed by an asset — mortgages, auto and gold loans.

Unsecured debt

Amount
$2,500.00
Type
Unsecured
% of liabilities
1.1%
Note
Cards, personal and student loans, medical debt, BNPL.

Total liabilities

Amount
$221,500.00
Type
% of liabilities
100%
Note
Personal balance sheet (line items)

Cash & savings

Type
Asset
Category
Liquid assets
Amount
$25,000.00
% of side
5.4%

Investments

Type
Asset
Category
Investments
Amount
$40,000.00
% of side
8.6%

Retirement accounts

Type
Asset
Category
Retirement / long-term accounts
Amount
$60,000.00
% of side
13.0%

Real estate (market value)

Type
Asset
Category
Real estate
Amount
$320,000.00
% of side
69.1%

Vehicles (current value)

Type
Asset
Category
Vehicles & depreciating assets
Amount
$18,000.00
% of side
3.9%

Mortgage balance

Type
Liability
Category
Secured debt
Amount
$210,000.00
% of side
94.8%

Auto loans

Type
Liability
Category
Secured debt
Amount
$9,000.00
% of side
4.1%

Credit card debt

Type
Liability
Category
Unsecured debt
Amount
$2,500.00
% of side
1.1%

Net worth

Type
Category
Amount
$241,500.00
% of side

Download your balance sheet workbook

Get a personal balance sheet workbook with assets, liabilities, net worth statement, liquidity and debt analysis, asset concentration, projection, and an action plan — formulas included, so it keeps working offline.

Your workbook is generated in your browser from the values you entered — nothing is sent to a server. “Save snapshot” keeps a short summary (date, net worth, total assets and liabilities, currency) in this browser on this device only; clear it anytime below. Found an issue? Report it.

See how this compares — optionalA general reference against US household data, not a judgment.

Benchmarks are shown only where a credible national source exists.

Matches the Federal Reserve’s age groupings.

Choose an age band to see how this net worth compares.

Source: Federal Reserve Survey of Consumer Finances (SCF), 2022 — Changes in U.S. Family Finances from 2019 to 2022, Table 2 (Oct. 2023). US family net worth by age of the reference person, in 2022 dollars (the most recent SCF). A general reference only — life stage, location, and household size shape these numbers far more than any single comparison, and your own trend over time matters more than where you sit today.

At a glance

Formula shown
Net Worth = Total Assets − Total Liabilities — with liquid and tangible net worth alongside.
Scenario support
Quick or full balance sheet, liquidity stack, debt and concentration ratios, and an optional projection model.
Workbook export
12-sheet Excel (XLSX) export
Educational estimate
Planning support from the values you enter — not professional advice.

How to read your result

The headline net worth figure is only the starting point — the liquidity stack underneath tells the more useful story. A balance sheet can be impressively large and dangerously cash-light at the same time, with most value locked in property or retirement accounts while due-now bills sit against a thin cash cushion. That's exactly what liquid net worth measures: not "how wealthy am I on paper?" but "how much flexibility do I have if something goes wrong this month?" Check the debt-to-asset ratio for a leverage signal, and if you entered business equity or private shares, compare tangible net worth against the headline figure — a wide gap means a meaningful share of your wealth depends on valuations you can't easily verify. The real value of this calculator comes from re-running it quarterly and watching the trend, not from any single snapshot.

Net worth formulas

Net worth

Net Worth = Total Assets − Total Liabilities

Assets at current market value; liabilities at outstanding balance.

Debt-to-asset ratio

Debt-to-Asset = Total Liabilities ÷ Total Assets

≤30% low · 30–50% moderate · 50–80% high · 80–100% very high · >100% liabilities exceed assets. A general signal, not a rule.

Liquid net worth

Liquid NW = Liquid Assets − Due-Now Liabilities

Cards, taxes due, overdue bills, and BNPL count as due-now.

Home equity

Home Equity = Home Market Value − Mortgage Balance

Real estate equity extends the same idea across all property.

Worked example

Assets 600,000 (mostly property and business value), liquid assets just 8,000, liabilities 250,000 → net worth 350,000 but a liquidity ratio of 1.3%. One surprise bill forces borrowing despite real wealth — the classic case where liquid net worth matters more than the headline. Someone reading only the 350,000 figure would reasonably assume financial security; the liquidity stack reveals a very different, more fragile picture.

Assumptions

  • Assets are current estimated market values; liabilities are outstanding balances. Blank fields count as zero; negatives are treated as zero.
  • Income is not part of net worth, and purchase price is not current value.
  • Pre-tax retirement balances may not equal spendable cash; they are classified as illiquid.
  • Business values (equity, partnerships, private shares) are classified uncertain/intangible and are excluded from tangible net worth; collectibles and valuables count as partially liquid — use conservative resale values.
  • The optional projection grows each asset bucket at your entered rates, applies scenario shifts, and floors debt at zero — a model, not a prediction.

Limitations

  • The calculator cannot verify valuations — conservative inputs make honest outputs.
  • Ratio bands and the balance-sheet score are general signals with published thresholds, not financial rules or ratings.
  • Taxes on selling assets, transaction costs, and market moves are not modelled.
  • No product recommendations.

Adjacent math: plan the monthly flows with the budget calculator, attack the liability side with the debt payoff calculator, or grow the asset side with the savings calculator.

Frequently asked questions

What does “net worth” actually measure?

What you own minus what you owe: total assets at current estimated market value minus total liabilities at outstanding balance. It is a point-in-time snapshot of your personal balance sheet — not income or spendable cash.

Is income part of net worth?

No. Income is a flow, net worth is a stock. Income affects net worth only through what it leaves behind — assets you keep and debts you repay.

Should I include my house?

Yes, at a realistic current market value, with the mortgage balance as a liability. The difference is your home equity — real wealth, but illiquid, which is why liquid net worth is shown separately.

What if my net worth is negative?

It means liabilities currently exceed assets — common with student loans or early mortgages, and entirely recoverable. The usual priorities are high-interest debt, a small liquid buffer, and tracking the trend quarterly. For serious debt problems, a qualified professional or nonprofit counselor can help.

What is liquid net worth and why track it?

Liquid assets (cash, accounts, deposits, cash equivalents) minus due-now liabilities (cards, taxes due, overdue bills, BNPL). It measures emergency flexibility rather than paper wealth.

Related calculators

Tools for the two levers of net worth — growing assets and shrinking liabilities:

  • Budget CalculatorBuild a monthly and annual budget in simple or 65-line advanced mode, with savings rate, ratios, and a health score.
  • 50/30/20 Budget CalculatorSplit take-home pay into 50% needs, 30% wants, and 20% savings, compare your real spending, and test alternative ratios.
  • Savings CalculatorProject a savings balance or solve the deposit needed for a goal, with APR/APY, tax, and inflation.
  • Debt Payoff CalculatorSimulate up to 20 debts with snowball, avalanche, custom, or hybrid payoff order and find your debt-free date.
  • Retirement CalculatorProject your retirement pot from current savings, contributions, and growth, and gauge whether it meets your goal.
  • Financial Needs Pyramid CalculatorScore five layers of your financial foundation — survival, safety, support, growth, and freedom — with a stress test and what-if simulator.

Read the guides

No dedicated net worth guide exists yet — for a related leverage ratio used by lenders, see What Is a Good Debt-to-Income Ratio and How to Calculate It.

To turn your net worth trend into a monthly plan, see How to Build a Monthly Budget Using the 50/30/20 Rule.

Net worth & money disclaimer

This calculator is for educational estimates only. It is not financial, investment, tax, credit, legal, accounting, or professional advice, and no outcome is guaranteed. Asset values, market prices, property values, taxes, and debt balances change. For important decisions, verify values and consider guidance from a qualified professional.

Your figures are processed in your browser and never sent to a server — never enter account numbers or identity details. Saved snapshots, if you use them, stay on this device only and can be cleared anytime.How we calculate · Editorial policy · Privacy · Disclaimer · Found an error? email us

Authorship & verification

Written and maintained by

  • Formula and examples verified on 14 June 2026
  • Educational estimate only

Add this calculator to your site

Responsive embed — and private: nothing your visitors type leaves their browser.