How this net worth calculator works
The calculator adds asset rows, adds liability rows, then subtracts liabilities from assets. Group totals are summaries of the categories selected in each row.
What to enter
Enter the current estimated values you want included. If a home is included as an asset, enter any related mortgage or home loan separately as a liability if you want both reflected.
What this calculator does not include
This is a manual estimate. It does not connect to accounts, appraise assets, estimate taxes, include selling costs or provide financial, credit or estate planning advice.
Key terms and assumptionsAssets, liabilities, grouped totals, asset-to-liability ratio, manual-entry limits and estimate scope.
- Net worth
- Net worth is assets entered minus liabilities entered.
- Asset
- An asset is something entered with estimated value.
- Liability
- A liability is money entered as owed.
- Asset group
- Asset groups are categories used to summarize assets.
- Debt group
- Debt groups are categories used to summarize liabilities.
- Asset-to-liability ratio
- Asset-to-liability ratio is total assets divided by total liabilities when liabilities are entered.
- General estimate
- The result excludes taxes, selling costs, account access, appraisals, credit reports, estate planning and advice.
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FAQs
What is net worth?
Net worth is the value of assets entered minus the liabilities entered.
Should I include my home?
You can include a home as an asset and the mortgage or home loan as a liability if you want both reflected.
Should I use market value or purchase price?
Use the current estimated value you want included. The calculator does not appraise assets.
Can net worth be negative?
Yes. If liabilities are higher than assets, the estimate will be negative.
Does this connect to my bank accounts?
No. It uses manual entries only and does not connect to accounts.
Does this include taxes or selling costs?
No. It does not estimate taxes, fees, commissions or payoff penalties.
Can I use it outside the United States?
Yes for general estimates. Region settings change labels and formatting only; they do not convert currencies or apply local tax rules.
Is this financial advice?
No. It is a manual snapshot based on values entered, not financial, credit, tax, legal, accounting or estate planning advice.