Net Worth Calculator

Add up assets and subtract liabilities to get the single number that tracks financial progress.

About Net Worth Calculator

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.

Formula

Net Worth

Net Worth = Cash and savings + Investments and pensions + Property value + Vehicles and other assets − Mortgage outstanding − Loans and credit card debt

Cash and savings: Component of the personal balance sheet
Investments and pensions: Component of the personal balance sheet
Property value: Component of the personal balance sheet
Vehicles and other assets: Component of the personal balance sheet
Mortgage outstanding: Component of the personal balance sheet
Loans and credit card debt: Component of the personal balance sheet

Worked example

With the default values below, Net Worth Calculator returns Net Worth of 341,000.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Cash and savings: 25,000
Investments and pensions: 180,000
Property value: 350,000
Vehicles and other assets: 18,000
Mortgage outstanding: 220,000
Loans and credit card debt: 12,000

Results

Net Worth: 341,000.00
Total Positive Components: 573,000.00
Total Deductions: 232,000.00
Result as Share of Positive Components: 59.51%
Verdict: Positive — the components net to a surplus

Step by step

1Values used
2Net Worth
3Net Worth= 341,000.00
4Total Positive Components= 573,000.00
5Total Deductions= 232,000.00
6Result as Share of Positive Components= 59.51
7Verdict= Positive — the components net to a surplus

Assumptions and limits

The result is derived only from the 6 inputs listed above. Anything not among them is not part of the calculation.
In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Frequently Asked Questions

How is Net Worth calculated?

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.

Why does Net Worth matter?

Working the personal balance sheet up from its components makes clear which line is moving it, which a single headline number hides.

What values do I need to enter?

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.