Calculate your estimated net worth from assets and liabilities, review category breakdowns, and explore simple hypothetical future scenarios.
Net worth is the estimated value of assets minus liabilities at a point in time. It is a personal balance-sheet measure, not a complete assessment of financial wellbeing.
Values can change and some assets may be difficult to sell at an estimated price. Use consistent, realistic estimates and update them as circumstances change.
Assets are items of financial value; liabilities are amounts owed.
Total assets − total liabilitiesThe scenario applies one constant compound rate for y years.
Current assets × (1 + annual growth rate)ʸThe scenario assumes the same percentage reduction each year and no new borrowing.
Current liabilities × (1 − annual reduction rate)ʸCash of $20,000, investments of $150,000, a home worth $350,000, and a $20,000 vehicle total $540,000. A $220,000 mortgage, $12,000 auto loan, $3,000 in credit-card balances, and $15,000 student loan total $250,000. Estimated net worth is $540,000 − $250,000 = $290,000.
Use current balances for accounts and debts and reasonable current-market estimates for property and personal assets.
Monthly, quarterly, or annual updates can be useful; choose a schedule that supports consistent comparisons.
Net worth does not describe liquidity, cash flow, income stability, goals, or personal circumstances by itself.
Assets can include cash, financial accounts, real estate, vehicles, business interests, and personal property with measurable value. Liabilities include mortgages, vehicle and student loans, credit cards, personal loans, business debt, and other amounts owed.
Including a home, retirement accounts, or vehicles can provide a fuller balance sheet. Consider using conservative current values and remember that selling costs, taxes, restrictions, and depreciation are not modeled.
A consistent net-worth record can show how changes in savings, investment values, property, and debt affect a personal financial position over time. It should be interpreted alongside cash flow and goals.
The 1-, 5-, and 10-year projections use constant compound asset growth and liability reduction assumptions. They do not predict markets, contributions, purchases, new borrowing, taxes, fees, or life events.
Net worth is total estimated assets minus total liabilities at a particular time.
It can change through saving, investment or property value changes, business results, debt repayment, spending, and new borrowing. Outcomes vary.
You may include a reasonable current value and separately include the related mortgage balance.
They are commonly included as assets, though access restrictions and potential taxes are not modeled here.
You may include reasonable current values and separately list any vehicle loans.
Monthly, quarterly, or annually can all work. Consistent timing and valuation methods make comparisons more useful.
There is no universal amount. Age, goals, location, household needs, liquidity, and other circumstances differ.
Yes. Net worth is negative when total liabilities exceed total assets.