How to use this calculator
- Enter cash and liquid investments, other assets at estimated value, total liabilities.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Total assets = liquid assets + other assets. Net worth = total assets − total liabilities.
Assumptions and limitations
Avoid counting the same asset twice. Use realistic current asset values and outstanding debt balances. Transaction costs and taxes on liquidation are not deducted.
Worked example
Liquid assets of 20,000 plus other assets of 150,000 less liabilities of 80,000 gives net worth of 90,000.
What the result means
Net worth is a balance at one point in time, not income. Asset values may be uncertain and may not be available as spendable cash.
Common questions
Can net worth be negative?
Yes. It is negative when liabilities exceed assets.
Does the result compare me with a country percentile?
No. No national wealth distribution is assumed.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.