Finance calculator
Net Worth Calculator
Calculate total net worth from assets and liabilities.
About the net worth calculator
The net worth calculator totals your assets and liabilities to find your net worth.
How to use this calculator
- 1
Enter assets
Enter cash, investments, property, vehicles, and other assets.
- 2
Enter liabilities
Enter mortgage, loans, credit cards, and other debts.
- 3
View results
See your net worth and asset/liability breakdown.
How the calculation works
Net worth = total assets − total liabilities. Positive net worth means assets exceed debts.
Example: 50k cash, 100k investments, 300k home, 150k mortgage, 20k loans = 280k net worth.
How financial calculations work
Most finance calculators use standard formulas: amortization for loans, compound interest for savings, and present/future value for investments. Results are estimates — actual terms may vary based on lender fees, credit score, taxes, and market conditions. Always consult a financial advisor for major decisions.
Understanding key financial terms
APR (Annual Percentage Rate) includes fees and interest. APY (Annual Percentage Yield) reflects compound interest. DTI (Debt-to-Income) ratio measures monthly debt payments against gross income. Lenders typically prefer DTI below 36%. CAGR (Compound Annual Growth Rate) smooths investment returns over time.
Important limitations
This tool provides a mathematical estimate based only on the values entered. It does not account for regulations, taxes, lender fees, market conditions, or individual circumstances. Results are for planning purposes only — consult a qualified professional for regulated, medical, financial, or construction decisions.
Frequently asked questions about net worth calculator
How accurate is the net worth calculator?+
The calculation follows the displayed formula and retains full numeric precision before formatting the result.
Can I use the result professionally?+
Use it as a planning estimate. Confirm regulated, medical, financial, or construction decisions with a qualified professional.