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Net Worth Calculator
Net worth = total assets − total liabilities. Also reports leverage percent when assets are positive.
Limitation: Educational arithmetic only—not investment, tax, or lending advice.
How to Estimate Net Worth
Sum realistic asset values and all debts in one currency.
Choose a display currency.
Be consistent
Use the same date for asset quotes and loan balances so the snapshot is coherent.
What the Net Worth Result Means
Net worth can be negative when debts exceed assets. Leverage percent is undefined when assets are zero.
Net Worth Examples
Home-heavy balance sheet
Entered assets and liabilities
Net worth
250,000 − 180,000 = 70,000.
Student debt overhang
Entered assets and liabilities
Net worth
Liabilities exceed assets.
Track the trend
Monthly or quarterly snapshots matter more than a single absolute number.
Frequently Asked Questions
Still have questions about this calculation?
Try the CalculatorNet Worth Formulas
No portfolio optimizer or credit score is used.
Formula
Net worth
total assets − total liabilities
Leverage percent
total liabilities ÷ total assets × 100
Scientific Background
Assumptions: user-supplied totals in one currency. Limitations: illiquidity, taxes on sale, and contingent debts are not modeled.
Sources & review
Net Worth Calculator documents the references behind its formulas and assumptions. Always treat results as educational estimates, not personalized professional advice.
Last reviewed
July 22, 2026
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