Net Worth Calculator

Calculate total assets, liabilities, and net worth from a personal balance sheet snapshot.

This calculator is part of the investing calculators hub cluster and supports scenario-based planning across adjacent entities.

Total assets

$430,000.00

Total liabilities

$195,000.00

Net worth

$235,000.00

Asset to liability ratio

2.21x

Insights

Generate a concise interpretation of your inputs and outputs. This is educational and hypothetical.

When This Calculator Can Mislead

Results can be misleading when assumptions are overly optimistic or inputs are inconsistent with real cash flow constraints.

Always test conservative and base-case assumptions and compare against related tools for contextual validation.

Contextual Links

What It Is

The net worth calculator provides a snapshot of your financial position by subtracting liabilities from assets.

Tracking net worth over time helps evaluate progress across investing, debt reduction, and long-term planning.

How It Works

Assets include cash, investments, retirement accounts, real estate value, and other assets.

Liabilities include mortgage balance and other debts. Net worth = total assets - total liabilities.

Formula

Total assets = sum of asset categories.

Total liabilities = sum of debt categories. Net worth = assets - liabilities.

Example

If your assets total $470,000 and liabilities are $190,000, your net worth is $280,000.

Recalculate quarterly to monitor whether investment growth is outpacing debt accumulation.

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Frequently Asked Questions

Should I include my home value in net worth?

Yes, typically include home value as an asset and remaining mortgage as a liability.

Does net worth include income?

No. Net worth is a balance-sheet measure, while income is a cash-flow measure.

How often should I update net worth?

Monthly or quarterly is usually enough to track trends without overreacting to short-term noise.

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