LEVEL 100 · PRE-FLIGHT

Net Worth Calculator

Measure what you own against what you owe—the clearest financial position report.

Enter current assets and balances owed, using 0 where none applies. Adjust an estimate or debt balance, calculate, then save the snapshot you want to keep.

1 · What you own

Cash & savingsCash and savings balances you own today. Keep these separate from investments.InvestmentsCurrent investment and retirement-account balances. Do not count the same account in another asset field.Property valueRealistic current property value before subtracting the mortgage. Enter the mortgage separately below.Other assetsOther assets not already counted above. Do not add the same home equity or account balance twice.

2 · What you owe

Mortgage balanceOutstanding mortgage principal, not the monthly payment.Other debtOther outstanding debt balances, excluding the mortgage already entered.

Model assumptions and limits

Illustrative educational estimate. Returns and outcomes are not guaranteed. This snapshot adds entered assets and subtracts entered liabilities; it does not value future income, calculate sale costs or taxes, or determine available spending cash. Use realistic current values and avoid double counting.

READY WHEN YOU ARE—

Enter current assets and balances owed, using 0 where none applies. Adjust an estimate or debt balance, calculate, then save the snapshot you want to keep.

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HOW TO USE THE RESULT

How to calculate net worth correctly

Net worth equals total assets minus total liabilities. Use realistic current values, not purchase prices or hoped-for sale prices. Include retirement accounts and property, but keep liquidity visible: a dollar of home equity cannot pay an immediate bill as easily as a dollar of cash.

Is home equity part of net worth?

Yes, when the home’s realistic value and the mortgage balance are both included. It should still be separated from liquid investments when planning near-term spending.