Finance tool
Net worth calculator
Add up your assets, subtract your liabilities — see your real wealth number, liquid assets, and liability ratio live.
Start with the free manual tool. If you want the real document view after that, analyze a statement PDF.
Free tool
Your personal balance sheet, instant
Input every asset and liability you have. The calculator computes total assets, total liabilities, net worth, liquid assets, and liability ratio. Compare to the previous month's figure to see the trend.
Assets — what you own
Current market value, not purchase price.
Current resale value, not purchase price.
Business equity, collectibles, other real estate.
Liabilities — what you owe
Remaining balance, not original loan.
Personal loans, medical debt, family loans.
Assets exceed liabilities by $246,500. This is your real wealth — the number that matters for long-term planning.
Everything you own at current value.
Everything you owe today.
Cash + savings + brokerage. Usable fast.
High — debt is more than half of assets.
Formula: Net worth = Total assets − Total liabilities
Track over time: run this monthly or quarterly — the trend matters far more than any single snapshot.
Natural next step
Net worth tells you where; cash flow tells you why
Net worth tells you where you stand today. To understand why it's moving up or down, you need to see your cash flow. Upload your bank statement and get categorized income, spending, and subscriptions — the month-over-month view that explains the net worth change.
What it gives you
Fast enough for a first pass
Each tool is intentionally narrow. The job here is a clean estimate, not a fake replacement for a full statement analysis.
Five metrics, one input pass
Computes total assets, liabilities, net worth, liquid assets, and liability ratio live as you type.
Liquid vs illiquid surface
Separates liquid (cash, savings, brokerage) from illiquid (home, car, retirement) for emergency-fund decisions.
Liability ratio context
Shows liability ratio so you can benchmark how leveraged your total position is — critical for mortgage and loan eligibility.
When it's useful
A personal balance sheet in under 60 seconds. Runs entirely in the browser.
Anyone tracking financial health
Useful for anyone wanting a single number that captures their real financial position — more meaningful than income because it reflects what you've kept, not what you've earned.
People applying for mortgages or personal loans
Lenders often ask for a personal balance sheet. This calculator produces exactly that structure — assets summarized at top, liabilities below, net worth at bottom.
Planners running annual or quarterly reviews
Run the same set of inputs every month or quarter, track the trend. The shape of the curve tells you far more than any individual snapshot.
Couples doing a joint financial review
Run twice — once for each partner, then combined. Helps surface hidden debts, separate vs joint assets, and the shape of combined wealth.
Deeper context
Why net worth beats income as a financial metric
Income says how much you earned. Net worth says how much you kept.
Income without net worth growth is spent money
A $150k salary without net worth increase means the money went out as fast as it came in. High income correlates with high wealth but doesn't guarantee it.
Net worth reflects every financial decision
Every spending choice, every investment, every debt payoff — all of it shows up in net worth eventually. It's the cumulative scorecard, not a single-period snapshot.
Net worth includes what you don't spend
Keeping $1,000 by skipping an optional purchase increases your net worth by $1,000. Income-based metrics miss this; net worth captures it directly.
Deeper context
Common net worth mistakes this calculator avoids
Most DIY net worth spreadsheets make the same handful of errors.
Using purchase price instead of current value
A car bought for $35,000 five years ago is worth far less today. Always use current market value. This calculator prompts for it explicitly.
Counting only the mortgage payment, not the balance
The liability is the remaining balance, not the monthly payment. Same for all amortizing loans — use the current payoff amount from the statement.
Missing retirement accounts
401(k), Traditional IRA, Roth IRA, SEP-IRA, HSA — all count as assets (even tax-deferred ones). Skipping them understates net worth dramatically.
FAQ