Estate Tax Calculator
Estimate potential estate-tax exposure using gross estate value, deductions, lifetime taxable gifts, the remaining exemption, and an optional flat state estate-tax rate.
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Net Worth Calculator
Calculate personal net worth by adding assets and subtracting liabilities. Track total assets, total debt, liquid assets, debt ratio, and your current financial position from a simple personal balance sheet.
Net Worth Calculator
Use this free net worth calculator to total your assets, subtract your liabilities, and see where your balance sheet stands today. It is built for quick personal finance reviews on mobile and desktop, with grouped asset and debt inputs, instant summaries, and practical context. For planning future growth, compare it with the Investment Growth Calculator, reverse long-term goals with the Present Value Calculator, or explore more tools in Financial Calculators.
Add assets and liabilities
Net worth is just assets minus liabilities, but grouping the inputs helps you see which parts of your balance sheet are doing the most work.
Include current balances only. If you want a cleaner personal balance sheet, use estimated resale or account value rather than original purchase price.
Assets
Everything you own that has measurable value.
Liabilities
Everything you still owe and would subtract from assets.
Current net worth
$92,500.00
Growing net worth
Total assets
$230,000.00
Total liabilities
$137,500.00
Liquid assets
$75,000.00
Debt ratio
59.8%
Balance sheet signals
Largest asset
Home and real estate equity: $80,000.00
Largest liability
Mortgage balance: $120,000.00
Liquidity share
32.6% of assets are relatively liquid
How to read this result
A positive net worth means your assets exceed your liabilities. A negative number means debts still outweigh what you own. Neither number is permanent; the real value is tracking the direction over time and seeing whether assets are compounding faster than liabilities grow.
What is a net worth calculator?
A net worth calculator is a simple balance-sheet tool. It totals the things you own, totals the debts you owe, and subtracts the second from the first. That makes it one of the quickest ways to measure overall financial position without getting lost in monthly budget details.
How this calculator works
The tool groups your finances into assets and liabilities, sums each side, and calculates net worth instantly. It also highlights liquid assets and debt ratio so you can see not just whether you are positive, but how flexible or leveraged the balance sheet may be.
Worked example
Suppose you have $18,000 in savings, $42,000 in investments, $65,000 in retirement accounts, and $90,000 in home equity, plus a few smaller assets. That adds up to roughly $239,500 in assets. If you still owe $166,500 across your mortgage, auto loan, student debt, and credit cards, your net worth is about $73,000. That does not mean you are done. It means you have a baseline that can improve as assets rise and liabilities fall.
How to use this number well
Track direction
One monthly or quarterly snapshot at a time is enough. Trend matters more than perfect valuation.
Watch leverage
If liabilities are a large share of assets, reducing expensive debt can change net worth faster than chasing small returns.
Build liquidity
Liquid assets improve resilience because they can cover surprises without forcing debt or asset sales.
Pair with planning tools
Net worth is a snapshot. Use forward-looking calculators to see where it may go next.
Related tools
Frequently asked questions
Net worth is the value of everything you own minus everything you owe. It is one of the simplest ways to measure overall financial position because it captures both assets and debt at the same time.
Explore This Tool in Context
Net Worth Calculator is part of the Financial Calculators collection. If you want a broader view of similar workflows, open the Financial Calculators category page or browse all QuickTools categories.
Common next steps after this tool include Estate Tax Calculator, Social Security Calculator and Annuity Payout Calculator.
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