Calculator
Net Worth Calculator
Build a household balance-sheet snapshot that separates total net worth from liquid assets, investable wealth, debt pressure, and planning signals.
Assets
List what you own
Start with current estimates for cash, investments, property, business interests, and personal assets.
Liquid and investable assets
Start with assets that can support flexibility, reserves, or long-term investment goals.
Checking, savings, CDs, money market, and emergency reserves.
Diversified brokerage assets outside retirement accounts.
401(k), IRA, Roth IRA, SEP, SIMPLE, and similar accounts.
Health savings account assets if tracked separately.
Employer, founder, inherited, restricted, private, or single large public holding.
Illiquid and personal assets
Add assets that may be valuable but harder to reposition quickly.
Estimated current value before mortgage debt.
Rental property, land, vacation home, or other property.
Estimated value of an owner interest or closely held company.
Private funds, private equity, notes, or less liquid holdings.
Cars, art, jewelry, equipment, collectibles, and similar tangible assets.
Anything meaningful that does not fit above.
Liabilities
List what you owe
Add debt balances so the result can separate headline net worth from leverage and high-priority debt.
Secured and business debt
List debts tied to property, business ownership, or major assets.
Debt tied to the primary home.
Mortgages or loans tied to other real estate.
Business debt included in the household picture.
Vehicle loan balances.
Consumer, tax, and other debt
Separate higher-priority debt from ordinary long-term liabilities.
Federal and private student loan balances.
Revolving balances not paid in full.
Unsecured loans or consolidation balances.
Federal, state, or local tax balances due.
Any remaining liabilities.
How to use this net worth calculator
Use this as a balance-sheet snapshot: list what you own, subtract what you owe, then look at how usable the wealth really is.
Total net worth
The full asset base minus liabilities.
Liquid net worth
Liquid and marketable assets minus high-priority debt.
Planning signals
A read on liquidity, concentration, debt pressure, and estate-liquidity context.
1
Enter the balance sheet
List meaningful assets and debts using current estimates. The goal is a useful household snapshot, not perfect appraisals.
2
Read composition, not just size
Compare total net worth with liquid net worth, investable assets, illiquid wealth, and debt pressure.
3
Choose the next review lane
Use the planning signals to decide whether liquidity, concentrated stock, debt cleanup, estate liquidity, or recordkeeping deserves attention.
About this tool
What this helps you do
This calculator organizes a household balance sheet and separates total net worth from liquidity, investable assets, illiquid wealth, and debt pressure.
Why composition matters
Two households can have the same net worth and very different planning needs if one has liquid diversified assets and the other is concentrated in property, business value, or one stock.
How to interpret results
Treat the result as a snapshot and planning map. The trend over time and the asset mix behind the number usually matter more than one headline value.
Limitations
This tool is educational only. It does not value private assets, estimate taxes, evaluate investment risk, or replace legal, tax, estate, insurance, or financial advice.
Keep learning
Net worth notes