Personal Finance
Net Worth Calculator
Add assets and liabilities to estimate your current net worth. Adjust the example inputs to explore how different assumptions affect the estimate.
Your scenario
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Start with the example values or enter your own assumptions.
Based on your inputs
Your estimate
Educational estimate only. Actual terms, taxes, fees, and returns may differ.
How to use this calculator
Enter current estimates for each asset and outstanding liability. The calculator totals each group and subtracts liabilities from assets.
How the calculation works
Net worth = cash + investments + real estate + other assets − loans − mortgage balances − credit card debt − other liabilities.
Worked example
If total assets are $40,000 and total liabilities are $15,000, estimated net worth is $25,000.
Assumptions and limitations
This is a point-in-time estimate, not a measure of cash flow or liquidity. Asset values, sale costs, and balances may be uncertain or change.
Frequently asked questions
Should I use property market value?
Use a reasonable current estimate and avoid counting the same asset twice.
Does net worth show monthly affordability?
No. Monthly income, expenses, and cash flow are separate measures.
Sources and further reading
Learn more
- How to Calculate Your Net Worth
- How Much Should You Save for an Emergency Fund?
- How to Pay Off Debt Faster: A Practical Payment Plan
- Net Worth vs. Cash Flow: Two Different Money Snapshots
- Home Equity vs. Net Worth: How They Relate
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Educational tool only. It does not provide personalized financial, tax, or legal advice.