Net Worth Calculator
Private personal balance sheet
List what you own and what you owe
Result
Calculation summary
Enter values to see the result
Live balance sheet preview
Assets, liabilities, and asset mix
- Total assets
- $525,000.00
- Total liabilities
- $272,000.00
- Current net worth
- $253,000.00
Consistent snapshot checklist
- Use reasonable current values rather than original purchase prices.
- Enter outstanding balances, not monthly payment amounts.
- Use one currency for every item; the selector formats values and does not convert them.
How to use this calculator
- 1Choose one currency, statement date, and personal or household scope.
- 2Add assets at reasonable current values and liabilities at current outstanding balances.
- 3Optionally add a previous net worth figure, then calculate the balance sheet and review its category mix and ratios.
Formula
Net worth = total assets − total liabilities
The calculator adds entered current asset values, subtracts all entered outstanding liability balances, and reports composition ratios without converting currencies.
Calculation steps
- Validate the date, currency, names, categories, and nonnegative item values.
- Add every asset and liability using the selected currency precision.
- Subtract liabilities from assets to determine positive, zero, or negative net worth.
- Group assets and liabilities by category and calculate shares of their corresponding totals.
- Calculate debt-to-asset and asset-composition ratios only when total assets are above zero.
- When enabled, compare with the previous figure and omit percentage change if that previous value is zero.
Worked example
Assets of 500,000 and liabilities of 150,000 produce net worth of 350,000 and a debt-to-asset ratio of 30%.
Assumptions
- All entries use one currency; changing the currency changes formatting but does not convert values.
- Assets use reasonable current estimates rather than necessarily using purchase prices.
- Property value and its outstanding mortgage are separate entries; home equity is not entered again.
- Liabilities use current outstanding balances rather than monthly payments.
- Illiquid or difficult-to-value assets may make the dated estimate uncertain.
- The result is a neutral planning snapshot, not financial, lending, tax, or investment advice.
Sources
Frequently asked questions
What is net worth?
It is the current value of what you own minus the outstanding amount you owe at a particular date.
How should I enter a home and mortgage?
Enter the home's estimated current value as an asset and outstanding mortgage principal as a liability. Do not also enter home equity as an asset.
Should I enter a monthly loan payment?
No. Enter the current outstanding loan balance rather than the monthly payment.
How should I value a vehicle or collectible?
Use a conservative estimate of what it could reasonably sell for now, recognizing that illiquid property may sell for a different amount.
What does negative net worth mean?
It means the entered liabilities exceed entered assets at this date. The calculator makes no judgment about creditworthiness or financial health.
How often should I update this snapshot?
Choose a consistent interval such as monthly, quarterly, or annually and keep categories and valuation methods consistent for more meaningful comparisons.
Why is a ratio unavailable when assets are zero?
The ratio would require division by zero, so it is shown as unavailable rather than as a misleading percentage.
Are my figures saved or shared?
No. Calculations stay in the browser, inputs are not persisted, and the canonical share link contains no private financial values.