Formula and method
Net worth = cash + investments + property and other assets − mortgages − other loans − credit-card liabilities.
Worked example
Assets of 310,000 and liabilities of 192,000 produce net worth of 118,000 currency units.
Net Worth Calculator
Add current assets and subtract outstanding liabilities to estimate net worth using a consistent currency and valuation date.
Printed from Calxy · https://www.calxy.net/financial/net-worth-calculator
Estimated net worth118,000.0000 currency units
currency units
0 – 1000000000000
currency units
0 – 1000000000000
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0 – 1000000000000
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0 – 1000000000000
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0 – 1000000000000
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Estimated net worth
118,000.0000 currency units
- Total assets310,000.0000 currency units
- Total liabilities192,000.0000 currency units
- Cash less unsecured liabilities-2,000.0000 currency units
Use one currency and one valuation date. Asset values may fluctuate; retirement taxes, transaction costs and liquidity are not modelled.
How this was calculated
Add current asset values, avoiding double-counted accounts.
Subtract outstanding liabilities from total assets.
References
- Assets, Liabilities and Equity — OpenStax
Frequently asked questions
Does a positive net worth mean enough cash is available?
No. Property and retirement assets may be illiquid or costly to access. Cash coverage is a separate question.
Last updated . Results are estimates for informational purposes only.