Personal finance calculator

Net Worth 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.

What you own

Assets

$Include

What you owe

Liabilities

$Include

Total assets—

Total liabilities—

Net worth—

Balance-sheet result—

—

Assets versus liabilities

Assets—

Liabilities—

Liquid assets selected—

Liquid liabilities selected—

Liquid net worth—

Debt-to-asset ratio—

Formula

Net worth is total assets minus total liabilities.

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.

Net worthtotal assets − total liabilities

Liquid net worthselected liquid assets − selected liquid liabilities

Debt-to-asset ratiototal liabilities ÷ total assets

Currencydisplay only; no FX conversion

Liquid view

Liquidity is a classification decision, not one universal formula.

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.

Read liquid net worth vs net worth →

Source

A balance-sheet view of personal finances.

Investor.gov — Figure Out Your Finances describes a net-worth statement as what you own minus what you owe.