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MoneyBasis

Net Worth Calculator

Calculate net worth by subtracting total liabilities from total assets.

Runs in your browser

Your balance sheet

Assets

Asset typeValue ($)

Liabilities

Liability typeBalance ($)

Nothing is uploaded when you calculate.

Save on this device

Keep this list in your browser. Nothing is uploaded.

Your estimate will appear here

List what you own and owe to see your current snapshot and asset composition. Select Calculate to see your estimate.

What you’ll see

  • Assets and liabilities
  • Current net worth
  • Optional projection

Current net worth, Total assets, Total liabilities

Understand your result

Assets

What you own, entered at the values you provide.

Liabilities

What you owe, entered at the balances you provide.

Net worth

Total assets minus total liabilities.

How this calculation works
  1. Add assets such as cash, investments, retirement accounts and property.
  2. Add liabilities such as mortgages, student loans and other debts.
  3. Net worth is total assets minus total liabilities. An optional projection estimates how that position may change if savings, returns and paydown stay constant.
Net worth = Assets − Liabilities

The optional projection applies your selected asset growth, savings, debt interest and debt-payment assumptions month by month. Extra debt payments are redirected to assets once debts reach zero.

Net worth
Net worth equals total assets minus total liabilities.
Assumptions & limitations
  • Asset returns and debt interest are constant user-selected assumptions, not forecasts.
  • Savings and debt payments stay the same every month.
  • Inflation and taxes are not modeled.

Educational estimates only. MoneyBasis does not provide financial, investment, tax or legal advice.

Sources

Frequently asked questions

Should I enter home equity or home value?
Enter the full home value as an asset and the mortgage balance as a liability. Using equity and subtracting the mortgage again would count the debt twice.
Are my entries automatically saved?
Use the device save control to save your records on this browser. Sharing inputs is a separate, optional action.
Is this a full financial plan?
No. It is a simplified snapshot and optional projection so you can see the direction of travel if savings, returns and debt payments stay roughly constant.

See a worked example

Financial Basics · 5 min read

How to Calculate Your Net Worth

List what you own and owe without counting home equity twice.

Read guide →

Illustrative balance sheet · one date

Assets
$357,000
Liabilities
$240,000
Net worth
$117,000

What you own minus what you owe. A snapshot, not spendable cash.

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