Add up assets and subtract liabilities to get the single number that tracks financial progress.
The result is the signed sum of its components: positive items are added and deductions subtracted. Expressing it as a share of the positive components shows how much of the gross figure survives to the bottom line. Working the personal balance sheet up from its components makes clear which line is moving it, which a single headline number hides.
Net Worth
Net Worth = Cash and savings + Investments and pensions + Property value + Vehicles and other assets − Mortgage outstanding − Loans and credit card debt
Net Worth = Cash and savings + Investments and pensions + Property value + Vehicles and other assets − Mortgage outstanding − Loans and credit card debt The result is the signed sum of its components: positive items are added and deductions subtracted. Expressing it as a share of the positive components shows how much of the gross figure survives to the bottom line.
Working the personal balance sheet up from its components makes clear which line is moving it, which a single headline number hides.
This calculator takes 6 inputs: Cash and savings, Investments and pensions, Property value, Vehicles and other assets, Mortgage outstanding, Loans and credit card debt. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.