Net Worth Calculator
Your net worth is the most important number in personal finance. This comprehensive calculator helps you tally all your assets (cash, investments, property, vehicles) and subtract your liabilities (mortgages, loans, credit cards) to reveal your true financial position. Use it regularly to track your progress toward financial goals. Perfect for financial advisors, wealth management firms, and anyone serious about building wealth.
Try the Calculator
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
361
362
363
364
365
366
367
368
369
370
371
372
373
374
375
376
377
378
379
380
381
382
383
384
385
386
387
388
389
390
391
392
393
394
395
396
397
398
399
400
401
402
403
404
405
406
407
408
409
410
411
412
413
414
415
416
417
418
419
420
421
422
423
424
425
426
427
428
429
430
431
432
433
434
435
436
437
438
439
440
441
442
443
444
445
446
447
448
449
450
451
452
453
454
455
456
457
458
459
460
461
462
463
464
465
466
467
468
469
470
471
472
473
474
475
476
477
478
479
480
481
482
export function netWorthCalculator(form: FormTs) {
form.addRow(row => {
row.addTextPanel('header', {
computedValue: () => 'Net Worth Calculator',
customStyles: { 'font-size': '1.5rem', 'font-weight': '600', 'color': '#1e293b' }
});
});
form.addSpacer({ height: 20 });
// Liquid Assets Section
const liquidSection = form.addSubform('liquid', { title: '💵 Cash & Liquid Assets' });
liquidSection.addRow(row => {
row.addMoney('checkingAccounts', {
label: 'Checking Accounts',
min: 0,
max: 100000000,
defaultValue: 5000,
tooltip: 'Total balance in all checking accounts'
}, '1fr');
row.addMoney('savingsAccounts', {
label: 'Savings Accounts',
min: 0,
max: 100000000,
defaultValue: 15000,
tooltip: 'Include high-yield savings, money market accounts'
}, '1fr');
});
liquidSection.addRow(row => {
row.addMoney('cashOnHand', {
label: 'Cash on Hand',
min: 0,
max: 1000000,
defaultValue: 500,
tooltip: 'Physical cash, petty cash'
}, '1fr');
row.addMoney('cds', {
label: 'CDs & Money Market',
min: 0,
max: 100000000,
defaultValue: 0,
tooltip: 'Certificates of deposit, money market funds'
}, '1fr');
});
// Investment Assets Section
const investmentSection = form.addSubform('investments', { title: '📈 Investment Assets' });
investmentSection.addRow(row => {
row.addMoney('stocks', {
label: 'Stocks & ETFs',
min: 0,
max: 100000000,
defaultValue: 25000,
tooltip: 'Individual stocks, ETFs, mutual funds (taxable accounts)'
}, '1fr');
row.addMoney('bonds', {
label: 'Bonds',
min: 0,
max: 100000000,
defaultValue: 5000,
tooltip: 'Government and corporate bonds'
}, '1fr');
});
investmentSection.addRow(row => {
row.addMoney('retirement401k', {
label: '401(k) / 403(b)',
min: 0,
max: 100000000,
defaultValue: 50000,
tooltip: 'Employer-sponsored retirement accounts'
}, '1fr');
row.addMoney('iraAccounts', {
label: 'IRA Accounts',
min: 0,
max: 100000000,
defaultValue: 20000,
tooltip: 'Traditional IRA, Roth IRA, SEP IRA'
}, '1fr');
});
investmentSection.addRow(row => {
row.addMoney('otherInvestments', {
label: 'Other Investments',
min: 0,
max: 100000000,
defaultValue: 0,
tooltip: 'HSA, 529 plans, crypto, alternative investments'
}, '1fr');
row.addMoney('businessOwnership', {
label: 'Business Ownership',
min: 0,
max: 100000000,
defaultValue: 0,
tooltip: 'Value of business interests'
}, '1fr');
});
// Property Assets Section
const propertySection = form.addSubform('property', { title: '🏠 Property & Physical Assets' });
propertySection.addRow(row => {
row.addMoney('primaryHome', {
label: 'Primary Residence',
min: 0,
max: 100000000,
defaultValue: 350000,
tooltip: 'Current market value of your home'
}, '1fr');
row.addMoney('otherRealEstate', {
label: 'Other Real Estate',
min: 0,
max: 100000000,
defaultValue: 0,
tooltip: 'Rental properties, vacation homes, land'
}, '1fr');
});
propertySection.addRow(row => {
row.addMoney('vehicles', {
label: 'Vehicles',
min: 0,
max: 10000000,
defaultValue: 25000,
tooltip: 'Cars, motorcycles, boats, RVs (current value)'
}, '1fr');
row.addMoney('valuables', {
label: 'Jewelry & Collectibles',
min: 0,
max: 100000000,
defaultValue: 5000,
tooltip: 'Jewelry, art, antiques, collections'
}, '1fr');
});
propertySection.addRow(row => {
row.addMoney('otherAssets', {
label: 'Other Assets',
min: 0,
max: 100000000,
defaultValue: 0,
tooltip: 'Furniture, electronics, other valuable items'
});
});
form.addSpacer({ height: 20, showLine: true, lineStyle: 'dashed' });
// Liabilities Section
const liabilitiesSection = form.addSubform('liabilities', { title: '💳 Liabilities (Debts)' });
liabilitiesSection.addRow(row => {
row.addMoney('mortgageBalance', {
label: 'Mortgage Balance',
min: 0,
max: 100000000,
defaultValue: 250000,
tooltip: 'Remaining balance on primary residence'
}, '1fr');
row.addMoney('otherMortgages', {
label: 'Other Property Loans',
min: 0,
max: 100000000,
defaultValue: 0,
tooltip: 'Mortgages on rental/investment properties'
}, '1fr');
});
liabilitiesSection.addRow(row => {
row.addMoney('autoLoans', {
label: 'Auto Loans',
min: 0,
max: 1000000,
defaultValue: 15000,
tooltip: 'Total balance on all vehicle loans'
}, '1fr');
row.addMoney('studentLoans', {
label: 'Student Loans',
min: 0,
max: 10000000,
defaultValue: 25000,
tooltip: 'Federal and private student loans'
}, '1fr');
});
liabilitiesSection.addRow(row => {
row.addMoney('creditCards', {
label: 'Credit Card Debt',
min: 0,
max: 1000000,
defaultValue: 3000,
tooltip: 'Total balance on all credit cards'
}, '1fr');
row.addMoney('personalLoans', {
label: 'Personal Loans',
min: 0,
max: 10000000,
defaultValue: 0,
tooltip: 'Personal loans, lines of credit'
}, '1fr');
});
liabilitiesSection.addRow(row => {
row.addMoney('medicalDebt', {
label: 'Medical Debt',
min: 0,
max: 10000000,
defaultValue: 0,
tooltip: 'Unpaid medical bills'
}, '1fr');
row.addMoney('otherDebts', {
label: 'Other Debts',
min: 0,
max: 100000000,
defaultValue: 0,
tooltip: 'Tax debt, family loans, other obligations'
}, '1fr');
});
form.addSpacer({ height: 20, showLine: true, lineStyle: 'dashed' });
// Assets Summary
const assetsSummarySection = form.addSubform('assetsSummary', { title: '📊 Assets Summary', isCollapsible: true });
assetsSummarySection.addRow(row => {
row.addPriceDisplay('totalLiquid', {
label: 'Total Liquid Assets',
computedValue: () => {
const checking = liquidSection.decimal('checkingAccounts')?.value() || 0;
const savings = liquidSection.decimal('savingsAccounts')?.value() || 0;
const cash = liquidSection.decimal('cashOnHand')?.value() || 0;
const cds = liquidSection.decimal('cds')?.value() || 0;
return Math.round((checking + savings + cash + cds) * 100) / 100;
},
variant: 'default'
}, '1fr');
row.addPriceDisplay('totalInvestments', {
label: 'Total Investments',
computedValue: () => {
const stocks = investmentSection.decimal('stocks')?.value() || 0;
const bonds = investmentSection.decimal('bonds')?.value() || 0;
const retirement = investmentSection.decimal('retirement401k')?.value() || 0;
const ira = investmentSection.decimal('iraAccounts')?.value() || 0;
const other = investmentSection.decimal('otherInvestments')?.value() || 0;
const business = investmentSection.decimal('businessOwnership')?.value() || 0;
return Math.round((stocks + bonds + retirement + ira + other + business) * 100) / 100;
},
variant: 'default'
}, '1fr');
});
assetsSummarySection.addRow(row => {
row.addPriceDisplay('totalProperty', {
label: 'Total Property',
computedValue: () => {
const home = propertySection.decimal('primaryHome')?.value() || 0;
const otherRE = propertySection.decimal('otherRealEstate')?.value() || 0;
const vehicles = propertySection.decimal('vehicles')?.value() || 0;
const valuables = propertySection.decimal('valuables')?.value() || 0;
const other = propertySection.decimal('otherAssets')?.value() || 0;
return Math.round((home + otherRE + vehicles + valuables + other) * 100) / 100;
},
variant: 'default'
}, '1fr');
row.addPriceDisplay('totalAssets', {
label: 'TOTAL ASSETS',
computedValue: () => {
// Liquid
const checking = liquidSection.decimal('checkingAccounts')?.value() || 0;
const savings = liquidSection.decimal('savingsAccounts')?.value() || 0;
const cash = liquidSection.decimal('cashOnHand')?.value() || 0;
const cds = liquidSection.decimal('cds')?.value() || 0;
// Investments
const stocks = investmentSection.decimal('stocks')?.value() || 0;
const bonds = investmentSection.decimal('bonds')?.value() || 0;
const retirement = investmentSection.decimal('retirement401k')?.value() || 0;
const ira = investmentSection.decimal('iraAccounts')?.value() || 0;
const otherInv = investmentSection.decimal('otherInvestments')?.value() || 0;
const business = investmentSection.decimal('businessOwnership')?.value() || 0;
// Property
const home = propertySection.decimal('primaryHome')?.value() || 0;
const otherRE = propertySection.decimal('otherRealEstate')?.value() || 0;
const vehicles = propertySection.decimal('vehicles')?.value() || 0;
const valuables = propertySection.decimal('valuables')?.value() || 0;
const otherAssets = propertySection.decimal('otherAssets')?.value() || 0;
return Math.round((checking + savings + cash + cds + stocks + bonds + retirement + ira + otherInv + business + home + otherRE + vehicles + valuables + otherAssets) * 100) / 100;
},
variant: 'success'
}, '1fr');
});
// Liabilities Summary
const liabilitiesSummarySection = form.addSubform('liabilitiesSummary', { title: '📊 Liabilities Summary', isCollapsible: true });
liabilitiesSummarySection.addRow(row => {
row.addPriceDisplay('totalLiabilities', {
label: 'TOTAL LIABILITIES',
computedValue: () => {
const mortgage = liabilitiesSection.decimal('mortgageBalance')?.value() || 0;
const otherMortgages = liabilitiesSection.decimal('otherMortgages')?.value() || 0;
const auto = liabilitiesSection.decimal('autoLoans')?.value() || 0;
const student = liabilitiesSection.decimal('studentLoans')?.value() || 0;
const credit = liabilitiesSection.decimal('creditCards')?.value() || 0;
const personal = liabilitiesSection.decimal('personalLoans')?.value() || 0;
const medical = liabilitiesSection.decimal('medicalDebt')?.value() || 0;
const other = liabilitiesSection.decimal('otherDebts')?.value() || 0;
return Math.round((mortgage + otherMortgages + auto + student + credit + personal + medical + other) * 100) / 100;
},
variant: 'default'
});
});
// Net Worth Result
const resultSection = form.addSubform('result', { title: '💎 Your Net Worth', isCollapsible: false });
resultSection.addRow(row => {
row.addPriceDisplay('netWorth', {
label: 'NET WORTH',
computedValue: () => {
// Liquid
const checking = liquidSection.decimal('checkingAccounts')?.value() || 0;
const savings = liquidSection.decimal('savingsAccounts')?.value() || 0;
const cash = liquidSection.decimal('cashOnHand')?.value() || 0;
const cds = liquidSection.decimal('cds')?.value() || 0;
// Investments
const stocks = investmentSection.decimal('stocks')?.value() || 0;
const bonds = investmentSection.decimal('bonds')?.value() || 0;
const retirement = investmentSection.decimal('retirement401k')?.value() || 0;
const ira = investmentSection.decimal('iraAccounts')?.value() || 0;
const otherInv = investmentSection.decimal('otherInvestments')?.value() || 0;
const business = investmentSection.decimal('businessOwnership')?.value() || 0;
// Property
const home = propertySection.decimal('primaryHome')?.value() || 0;
const otherRE = propertySection.decimal('otherRealEstate')?.value() || 0;
const vehicles = propertySection.decimal('vehicles')?.value() || 0;
const valuables = propertySection.decimal('valuables')?.value() || 0;
const otherAssets = propertySection.decimal('otherAssets')?.value() || 0;
const totalAssets = checking + savings + cash + cds + stocks + bonds + retirement + ira + otherInv + business + home + otherRE + vehicles + valuables + otherAssets;
// Liabilities
const mortgage = liabilitiesSection.decimal('mortgageBalance')?.value() || 0;
const otherMortgages = liabilitiesSection.decimal('otherMortgages')?.value() || 0;
const auto = liabilitiesSection.decimal('autoLoans')?.value() || 0;
const student = liabilitiesSection.decimal('studentLoans')?.value() || 0;
const credit = liabilitiesSection.decimal('creditCards')?.value() || 0;
const personal = liabilitiesSection.decimal('personalLoans')?.value() || 0;
const medical = liabilitiesSection.decimal('medicalDebt')?.value() || 0;
const other = liabilitiesSection.decimal('otherDebts')?.value() || 0;
const totalLiabilities = mortgage + otherMortgages + auto + student + credit + personal + medical + other;
return Math.round((totalAssets - totalLiabilities) * 100) / 100;
},
variant: 'large'
});
});
resultSection.addRow(row => {
row.addTextPanel('homeEquity', {
label: 'Home Equity',
computedValue: () => {
const home = propertySection.decimal('primaryHome')?.value() || 0;
const mortgage = liabilitiesSection.decimal('mortgageBalance')?.value() || 0;
const equity = home - mortgage;
return `$${equity.toLocaleString()}`;
},
customStyles: { 'font-size': '1.1rem', 'text-align': 'center', 'color': '#475569' }
}, '1fr');
row.addTextPanel('debtToAssetRatio', {
label: 'Debt-to-Asset Ratio',
computedValue: () => {
// Calculate total assets
const checking = liquidSection.decimal('checkingAccounts')?.value() || 0;
const savings = liquidSection.decimal('savingsAccounts')?.value() || 0;
const cash = liquidSection.decimal('cashOnHand')?.value() || 0;
const cds = liquidSection.decimal('cds')?.value() || 0;
const stocks = investmentSection.decimal('stocks')?.value() || 0;
const bonds = investmentSection.decimal('bonds')?.value() || 0;
const retirement = investmentSection.decimal('retirement401k')?.value() || 0;
const ira = investmentSection.decimal('iraAccounts')?.value() || 0;
const otherInv = investmentSection.decimal('otherInvestments')?.value() || 0;
const business = investmentSection.decimal('businessOwnership')?.value() || 0;
const home = propertySection.decimal('primaryHome')?.value() || 0;
const otherRE = propertySection.decimal('otherRealEstate')?.value() || 0;
const vehicles = propertySection.decimal('vehicles')?.value() || 0;
const valuables = propertySection.decimal('valuables')?.value() || 0;
const otherAssets = propertySection.decimal('otherAssets')?.value() || 0;
const totalAssets = checking + savings + cash + cds + stocks + bonds + retirement + ira + otherInv + business + home + otherRE + vehicles + valuables + otherAssets;
// Calculate total liabilities
const mortgage = liabilitiesSection.decimal('mortgageBalance')?.value() || 0;
const otherMortgages = liabilitiesSection.decimal('otherMortgages')?.value() || 0;
const auto = liabilitiesSection.decimal('autoLoans')?.value() || 0;
const student = liabilitiesSection.decimal('studentLoans')?.value() || 0;
const credit = liabilitiesSection.decimal('creditCards')?.value() || 0;
const personal = liabilitiesSection.decimal('personalLoans')?.value() || 0;
const medical = liabilitiesSection.decimal('medicalDebt')?.value() || 0;
const other = liabilitiesSection.decimal('otherDebts')?.value() || 0;
const totalLiabilities = mortgage + otherMortgages + auto + student + credit + personal + medical + other;
if (totalAssets === 0) return '0%';
const ratio = (totalLiabilities / totalAssets) * 100;
return `${(Number(ratio) || 0).toFixed(1)}%`;
},
customStyles: { 'font-size': '1.1rem', 'text-align': 'center', 'color': '#475569' }
}, '1fr');
});
// Summary Section
const summarySection = form.addSubform('summary', {
title: '📋 Summary',
isCollapsible: false,
sticky: 'bottom'
});
summarySection.addRow(row => {
row.addTextPanel('summaryText', {
computedValue: () => {
// Calculate net worth for summary
const checking = liquidSection.decimal('checkingAccounts')?.value() || 0;
const savings = liquidSection.decimal('savingsAccounts')?.value() || 0;
const cash = liquidSection.decimal('cashOnHand')?.value() || 0;
const cds = liquidSection.decimal('cds')?.value() || 0;
const stocks = investmentSection.decimal('stocks')?.value() || 0;
const bonds = investmentSection.decimal('bonds')?.value() || 0;
const retirement = investmentSection.decimal('retirement401k')?.value() || 0;
const ira = investmentSection.decimal('iraAccounts')?.value() || 0;
const otherInv = investmentSection.decimal('otherInvestments')?.value() || 0;
const business = investmentSection.decimal('businessOwnership')?.value() || 0;
const home = propertySection.decimal('primaryHome')?.value() || 0;
const otherRE = propertySection.decimal('otherRealEstate')?.value() || 0;
const vehicles = propertySection.decimal('vehicles')?.value() || 0;
const valuables = propertySection.decimal('valuables')?.value() || 0;
const otherAssets = propertySection.decimal('otherAssets')?.value() || 0;
const totalAssets = checking + savings + cash + cds + stocks + bonds + retirement + ira + otherInv + business + home + otherRE + vehicles + valuables + otherAssets;
const mortgage = liabilitiesSection.decimal('mortgageBalance')?.value() || 0;
const otherMortgages = liabilitiesSection.decimal('otherMortgages')?.value() || 0;
const auto = liabilitiesSection.decimal('autoLoans')?.value() || 0;
const student = liabilitiesSection.decimal('studentLoans')?.value() || 0;
const credit = liabilitiesSection.decimal('creditCards')?.value() || 0;
const personal = liabilitiesSection.decimal('personalLoans')?.value() || 0;
const medical = liabilitiesSection.decimal('medicalDebt')?.value() || 0;
const other = liabilitiesSection.decimal('otherDebts')?.value() || 0;
const totalLiabilities = mortgage + otherMortgages + auto + student + credit + personal + medical + other;
const netWorth = totalAssets - totalLiabilities;
if (netWorth >= 0) {
return `Your net worth is $${netWorth.toLocaleString()}. You own more than you owe!`;
} else {
return `Your net worth is -$${Math.abs(netWorth).toLocaleString()}. Focus on paying down debt and building assets.`;
}
},
customStyles: { 'font-size': '0.95rem', 'font-weight': '500', 'text-align': 'center', 'color': '#1e293b' }
});
});
summarySection.addRow(row => {
row.addTextPanel('disclaimer', {
computedValue: () => 'Track your net worth monthly to measure financial progress. This calculator provides estimates - consult a financial advisor for personalized planning.',
customStyles: { 'font-size': '0.8rem', 'color': '#64748b', 'text-align': 'center' }
});
});
form.configureSubmitButton({
label: 'Save My Net Worth'
});
}
Frequently Asked Questions
What counts as an asset?
Assets include anything of value you own: cash, bank accounts, investments, retirement accounts, real estate, vehicles, jewelry, art, and business ownership. Include current market values, not what you paid.
What counts as a liability?
Liabilities are debts you owe: mortgages, car loans, student loans, credit card balances, personal loans, medical debt, and any other money you owe to others.
How often should I calculate my net worth?
Monthly or quarterly tracking is ideal. This helps you see trends, measure progress toward goals, and catch potential issues early. Many people track net worth at the start of each month.
Is a negative net worth bad?
Not necessarily. Many young people and recent graduates have negative net worth due to student loans. The key is that your net worth should trend upward over time as you pay down debt and build assets.
Should I include my home value?
Yes, but use a realistic current market value, not your purchase price. Also remember to subtract your mortgage balance as a liability. The difference is your home equity.