Net Worth Calculator
Track your complete personal balance sheet by aggregating assets (cash, investments, home equity, vehicles) minus all liabilities and debts.
Net Worth & Solvency Formulas
Total Net Worth = Total Assets − Total Liabilities | Liquid Net Worth = Liquid Cash & Brokerage − Short-Term Debts | Debt-to-Asset Ratio = (Liabilities / Assets) × 100- Assets: Bank savings, retirement accounts (401k, IRA), brokerage investments, primary home market value, vehicles, and business equity.
- Liabilities: Mortgages, auto loans, student debt, credit card balances, and personal loans.
- Liquid Net Worth: Measure of immediate financial flexibility excluding illiquid real estate and vehicles.
Step-by-Step Worked Example
Calculation Steps:
How to Use This Calculator
Assumptions & Limitations
- Real estate and vehicle values should reflect realistic current resale market values rather than original purchase costs.
Frequently Asked Questions
Should I include my primary residence in my net worth?
Yes, your home equity (market value minus remaining mortgage) is part of your total net worth. However, for retirement independence planning, liquid net worth (excluding home equity) is often more meaningful.
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