Enter liquid assets
Add cash, checking, savings, brokerage, and other investment balances.
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Assets and liabilities calculator
Free Net Worth Calculator
A net worth calculator adds everything you own, subtracts everything you owe, and turns the result into a simple personal balance sheet.
Use this worksheet to total cash, investments, property, retirement accounts, loans, and credit card balances before planning debt payoff or savings goals.
13 inputs
Assets, debts, and liquid balances
Copyable
Save a snapshot for monthly tracking
$0
Free, private, and no signup required
Snapshot
Positive net worth
Net worth
$218,700
Total assets minus total liabilities.
Liquid net worth
$46,200
Cash and investments minus unsecured debts.
Total assets
$496,700
Estimated current value of everything listed.
Total liabilities
$278,000
Outstanding balances still owed.
Debt-to-asset ratio: 55.97%
Your assets exceed your debts. Keep tracking the gap as savings, investments, and debt balances change.
What you own
Assets
What you owe
Debts
Assets
$496,700Cash and checking$12,500
2.52% of assets
Brokerage and investments$43,000
8.66% of assets
Retirement accounts$88,500
17.82% of assets
Home and real estate$325,000
65.43% of assets
Vehicles$18,000
3.62% of assets
Business assets$7,500
1.51% of assets
Other assets$2,200
0.44% of assets
Liabilities
$278,000Mortgage balance$241,000
86.69% of liabilities
Student loans$18,500
6.65% of liabilities
Auto loans$9,200
3.31% of liabilities
Credit cards$2,400
0.86% of liabilities
Personal loans$6,000
2.16% of liabilities
Other debts$900
0.32% of liabilities
How to use it
Build a personal balance sheet
Net worth is a planning snapshot, not a credit score or a lending decision. Revisit the same categories over time so the trend is comparable.
Add long-term assets
Include retirement accounts, home value, vehicles, business assets, and other property values.
List debts
Enter mortgage, student loan, auto loan, credit card, personal loan, and other debt balances.
Review the snapshot
Compare total assets, total liabilities, net worth, liquid net worth, and debt-to-asset ratio.
Common questions
Net worth calculator FAQ
These answers are general education, not personalized financial advice.
What is a net worth calculator?
A net worth calculator totals what you own, subtracts what you owe, and shows the difference as your personal net worth.
What counts as an asset?
Assets usually include cash, checking and savings balances, investments, retirement accounts, home equity property value, vehicles, business assets, and other items you could reasonably sell.
What debts should I include?
Include outstanding balances such as mortgages, student loans, auto loans, credit cards, personal loans, medical debt, tax debt, and other money you owe.
How often should I calculate net worth?
Monthly or quarterly is enough for most households. Checking too often can exaggerate normal market swings, while a regular cadence helps you spot progress.
Is net worth the same as cash flow?
No. Net worth is a balance sheet snapshot at one point in time. Cash flow tracks income and expenses over a period of time.
Next step
Track loans without awkward reminders
If part of your net worth picture includes personal loans between friends or family, FriendlyLoans helps document terms, payments, and reminders in one place.