Net Worth Calculator

Net worth is the single line every personal balance sheet ends on — the difference between what you own and what you owe. The Federal Reserve's Survey of Consumer Finances has used the same definition since 1983, and Investopedia, Corporate Finance Institute, and the US Consumer Financial Protection Bureau all reference the identical identity.

1. The core formula

net worth = total assets − total liabilities

Total assets is the sum of cash, investments, retirement balances, real estate, vehicles, and other valuables — each at current market value, not the purchase price. Total liabilities is the outstanding balance of every debt, at the current principal rather than the original loan amount. The calculator splits both sides into six standard buckets so nothing slips through.

2. Liquid net worth (the realistic view)

Headline net worth includes a Rs 25 million house, but selling that house this afternoon is not realistic. Liquid net worth strips out illiquid assets and shows only what you could reach quickly:

liquid net worth = cash + investments + retirement − total liabilities

This is the same identity used in the CFPB's Your Money, Your Goals worksheet. When liquid net worth is negative while total net worth is positive, the household is house-rich and cash-poor — fine in steady times, fragile when income disappears.

3. Debt-to-asset and solvency ratios

debt-to-asset ratio = total liabilities ÷ total assets
solvency ratio = total assets ÷ total liabilities

The first ratio answers "how much of what I own is still claimed by someone else?" Under 30% is healthy, 30–50% is moderate, over 50% is a signal to slow new borrowing. The solvency ratio is the inverse — values at or above 1.0 mean assets exceed debts, and 2.0 or higher is comfortable.

4. Cross-check identity

The calculator runs the assets−liabilities subtraction in two algebraically identical orders and lights the Two-method verified badge when the numbers agree to within floating-point tolerance. With this many category rows, a stray edit to the category list would silently break one path; the verification badge surfaces that drift immediately rather than letting it ship.

5. Privacy and persistence

Every number stays inside your browser. The calculator auto-saves to your device's local storage so values are still there next time, but no server, log, or analytics endpoint sees them. Use the Clear button to wipe inputs, or open the page in a private window for a one-off calculation with no persistence.

• Investopedia — Net Worth: formula, examples, and household snapshot
• Investopedia — The Mathematics of Net Worth
• Corporate Finance Institute — Personal Balance Sheet
• Federal Reserve Board — Survey of Consumer Finances (canonical household net-worth methodology)
• US Consumer Financial Protection Bureau — Your Money, Your Goals (net-worth worksheet)

Definitions were last cross-checked against the sources above on 2026-05-11. The page is reviewed annually and whenever an underlying source revises a standard accounting definition.