Net Worth Calculator
Last updated: July 2026
Calculate total assets, total liabilities, and personal net worth.
Estimated net worth
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- Total assets: —
- Total liabilities: —
- Asset-to-debt ratio: —
On this page
Quick summary: Calculate total assets, total liabilities, and personal net worth. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator does
The Net Worth Calculator estimates financial net worth by subtracting total liabilities from total assets.
How to use the calculator step by step
Enter current values for major assets and outstanding balances for debts. Use realistic market or account values and avoid counting the same asset or liability more than once.
How the calculation works
Net worth equals total assets minus total liabilities. Assets can include cash, investments, property, and other items of value, while liabilities include loans, credit balances, and other debts.
Worked example and scenario testing
If assets total 250,000 and liabilities total 90,000, estimated net worth is 160,000.
How to interpret your result
Net worth is a snapshot of financial position at a point in time. It does not directly measure income, cash flow, investment quality, or financial security.
Accuracy, assumptions, and limitations
Asset values can fluctuate and some assets may be difficult to sell quickly. Taxes, transaction costs, pensions, business ownership, and future obligations may also complicate a complete balance sheet.
Common mistakes to avoid
Do not use the original purchase price of an asset if current value is what matters. Also avoid forgetting debts that are jointly held or secured against assets.
Privacy and browser-based calculations
Use only category totals when possible. Do not enter account numbers, property addresses, or login credentials.