Net Worth Calculator
Assets minus liabilities, itemised — a single figure plus a picture of what it is made of.
Net Worth Calculator
Net Worth
$20,000
Assets $40,000 − Liabilities $20,000
Assets
$40,000Liabilities
$20,000Net worth
net worth = total assets − total liabilities
- assets
- Cash, investments, pensions, property, vehicles, and anything else with resale value
- liabilities
- Mortgage, loans, card balances, overdrafts, and any tax owed
Worked example
- Property
- 300,000
- Pension and investments
- 85,000
- Cash
- 15,000
- Total assets
- 400,000
- Mortgage
- 210,000
- Car loan and cards
- 18,000
Net worth 172,000
A negative net worth is normal and temporary for many people — recent graduates with student debt, or new homeowners early in a mortgage. The trend over time is far more informative than the figure at any one moment.
Valuing things honestly
- Property at a realistic sale price —Use a conservative recent comparable, not the optimistic end of an online estimate. Deduct selling costs if you want a truly liquid figure.
- Cars at trade-in value —They depreciate steeply and continuously. Whatever you paid is not the number.
- Pensions at current value —Include them. For many people a pension is the largest asset after property, and leaving it out badly understates the position.
- Exclude personal possessions —Furniture, clothes and electronics have negligible resale value and inflate the figure without adding meaning.
- Remember embedded tax —A gain inside a taxable investment account is not entirely yours. For a strict figure, deduct the tax that a sale would trigger.
- Track it quarterly, not daily —Net worth moves with markets and property estimates. Checking often produces noise and anxiety, not information.
About
The Net Worth Calculator helps you measure your financial health by totalling all your assets and subtracting all your liabilities. Assets include cash and savings, investment accounts, retirement funds, real estate value, and personal property. Liabilities include mortgages, car loans, student loans, credit card balances, and other debts. Your net worth is the difference — positive means you own more than you owe. Tracking net worth over time is one of the most reliable indicators of long-term financial progress.
How to use
- 1 Add your assets in the Assets section — enter a name and value for each item.
- 2 Add your liabilities in the Liabilities section — enter a name and balance for each debt.
- 3 The net worth (Assets − Liabilities) updates instantly at the top.
- 4 Use the + button to add more rows; click × to remove a row.
- 5 All data stays in your browser — nothing is saved or sent anywhere.
- What counts as an asset in net worth calculation?
- Assets are everything you own that has monetary value: cash and bank balances, savings accounts, investment accounts (stocks, mutual funds, ETFs), retirement accounts (EPF, PPF, 401k, IRA), real estate market value, vehicle value, business ownership stakes, jewelry, and any other valuable property. Use current market value, not purchase price — your home is worth what it would sell for today, not what you paid.
- What counts as a liability?
- Liabilities are all your outstanding debts and financial obligations: mortgage balance (not the home value — that is the asset), car loan balance, student loans, personal loans, credit card balances, medical debt, and any other money you owe. Include only the outstanding balance — minimum monthly payments are not liabilities themselves, only the total amount owed is.
- What is a good net worth?
- A popular rule of thumb is: target net worth = (age × annual pre-tax income) ÷ 10. For example, a 35-year-old earning $80,000 should aim for a net worth of $280,000. However, net worth varies enormously by age, income, country, and life stage. More important than hitting a specific number is the trend — a net worth that grows consistently each year indicates healthy financial progress.
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