Personal finance calculator
Add what you own, subtract what you owe, and compare the full result with a liquid view that you control. Your entries stay in this browser tab.
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Download the current assets, liabilities, totals and selected liquid view as an editable CSV.
The file is created in your browser. Nothing is uploaded.
Formula
A positive result means the value entered for assets is greater than the debt entered. A negative result means liabilities exceed assets. Neither result measures income, cash flow or investment performance.
total assets − total liabilitiesselected liquid assets − selected liquid liabilitiestotal liabilities ÷ total assetsdisplay only; no FX conversionNet worth statement
Update the starter rows with realistic balances, decide which items belong in your liquid view, then download the statement as a CSV for Excel, Google Sheets or Numbers. The export keeps the individual asset and liability rows as well as the calculated totals.
A net worth statement is most useful as a repeatable snapshot. Using the same valuation approach at regular intervals makes changes easier to interpret.
Liquid view
Cash is normally liquid. Property is normally not. Investments, retirement accounts, vehicles and debts can require more judgment because access, taxes, penalties, sale time and the purpose of the calculation differ.
This calculator does not silently decide for you: every row has an explicit “Include” control.
Source
Investor.gov — Figure Out Your Finances describes a net-worth statement as what you own minus what you owe.