Net Worth Calculator
Subtract total liabilities from total assets for a simple net worth snapshot. Informational only, not financial advice and not a balance sheet audit.
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How to calculate net worth
- Add the asset values you want in the snapshot and enter the total.
- Add the debt balances you want included and enter that total.
- Read net worth = assets - liabilities.
- A negative result means liabilities exceed assets on this sketch.
- Illiquid assets and contingent debts need judgment. Not financial advice.
Net worth
Assets minus liabilities
| Formula | Net worth = assets - liabilities |
|---|---|
| Assets | 0 or greater |
| Liabilities | 0 or greater |
| Negative net worth | Allowed when debts exceed assets |
| Valuation | You supply totals; no market feed |
| Advice | Informational. Not financial advice. |
What net worth means here
Net worth is a point-in-time difference between what you own and what you owe. This page only subtracts two totals. It does not list line items or pull brokerage balances.
Formula
Net worth = assets - liabilities. Both inputs must be zero or greater. The result can be negative.
Related pages
Monthly allocations: budget. Estate tax sketch: estate tax. Debt payoff paths: debt payoff.
Use cases
Annual personal finance check-ins. Teaching assets versus debts. Quick snapshots before a deeper spreadsheet.
Worked example
$450,000 assets and $220,000 liabilities → net worth $230,000 on this form.
Limits
No depreciation schedules, no contingent liabilities, no currency conversion. Informational, not financial advice. See the disclaimer.