i What this calculator does
This calculator works out your total net worth, subtracting all your liabilities from all your assets, giving you a single figure representing your genuine financial position.
Enter your assets and liabilities, and the calculator returns your total net worth, a useful complement to tracking your investment portfolio over time.
This calculator is for educational purposes only. Use current market values for accuracy.
How to use the Net Worth Calculator
Defaults are supplied throughout, which means the calculator is useful before you have touched it.
- 1. Cash & Savings (R)
- 2. Investments & Retirement (R)
- 3. Property & Vehicles (R)
- 4. Home Loan / Bond Balance (R)
- 5. Other Debt (Car, Credit Card, etc.) (R)
The result panel reports:
- Total Assets Everything you own
- Total Liabilities Everything you owe
- Debt-to-Asset Ratio Liabilities relative to assets
Alongside the headline figures, the calculator reports net worth, total assets, total liabilities, debt-to-asset ratio. Those are the numbers that usually explain why the headline result came out where it did.
Each operation is listed under the answer, which is what lets you check rather than assume.
One caution worth stating. A calculator answers exactly the question you pose to it, and the quality of the answer is set entirely by the inputs. Figures taken from a single period, an optimistic forecast, or a sample too small to be meaningful will produce a precise number that is not a reliable one. Where the result will inform a real decision, run it at several plausible inputs and treat the spread as the answer rather than any single figure.
The same applies to comparisons. A figure is informative against a benchmark, a sector average or the same measure over the company's own history, and much less so on its own. That context is what turns a number into a judgement.
See also: Bond vs Invest Calculator and CAGR Calculator.
Frequently asked questions
What should I actually count as an asset?
Include genuinely liquid or valuable items, cash, investment accounts, retirement funds, property (at current market value, not purchase price), and vehicles, avoid overestimating depreciating personal items like furniture or clothing, which typically have minimal genuine resale value.
Should I include my primary residence in net worth calculations?
Most net worth calculations do include your home at current market value, though some prefer excluding it since it's not typically liquidated for spending, the right approach depends on what you're using the figure for, include it for a complete wealth picture.
Is a negative net worth genuinely a problem?
A negative net worth (more liabilities than assets) is common, particularly early in adulthood or after taking on debt like a home loan, it becomes more concerning if it's persistent or growing rather than improving over time as you pay down debt and build assets.
How often should I recalculate my net worth?
Many people find checking quarterly or annually gives a meaningful sense of progress without becoming an unhealthy obsession over short-term market fluctuations affecting investment account values.
Does net worth include my trading account balance?
Yes, your trading account balance is a genuine asset and should be included, along with any other investment or brokerage accounts, at their current market value.
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