Personal Net Worth Calculator

Assets minus liabilities, in one snapshot

With $12,000 in cash, $85,000 in brokerage and retirement accounts, a $420,000 home, and $8,000 in other assets, total assets come to $525,000. Against a $260,000 mortgage and $14,000 in other debt, total liabilities are $274,000, leaving net worth of $251,000.

Home equity specifically -- market value minus the mortgage balance -- is $160,000, which is 63.7% of this example's total net worth. That concentration is common and worth noticing: most of this household's net worth is illiquid (tied up in the home) rather than sitting in cash or investments.

This is a point-in-time snapshot, not a trend. Run it again each quarter or year with updated balances to see whether net worth is actually growing, and by how much.

What counts, and what's missing

Snapshot of the numbers you type. Not a credit report or appraisal. The home value field is whatever you enter -- typically a recent appraisal, a comparable-sales estimate, or an automated valuation, none of which are pulled automatically by this page.

Retirement accounts are counted at full current value, without adjusting for the taxes you'd owe withdrawing from a traditional 401(k) or IRA -- so two people with identical account balances but different account types (Roth vs. traditional) don't actually have identical spendable net worth.

For the piece of this picture that lenders actually look at when you apply for credit, the Debt-to-Income Ratio Calculator measures monthly debt against income instead of a point-in-time balance sheet.

Using this snapshot going forward

If a large share of net worth is sitting in cash rather than invested or in a high-yield account, the High-Yield Savings APY Comparator shows what that cash could be earning instead.

Before this snapshot becomes the emergency fund vs. investment decision, run essential expenses through the Emergency Fund Savings Goal Calculator to see how much of that $12,000 cash balance is actually earmarked as a buffer.

Frequently Asked Questions (FAQ)