How to Use the Net Worth Calculator
List each asset (cash, investments, retirement accounts, real estate, vehicles) at current value, and each liability (mortgage, loans, credit card balances) at current outstanding balance — the calculator totals both columns and subtracts liabilities from assets to show your net worth.
The Net Worth Calculator totals both sides of the balance sheet automatically — here's how to fill it in accurately.
Entering assets at current value
For each asset, use current market value rather than original purchase price or contribution amount — for real estate and vehicles especially, this makes a meaningful difference to the accuracy of the final result.
Entering liabilities at current balance
For each liability, use the current outstanding balance, not the original loan amount — a mortgage or loan balance decreases over time as payments are made, and using the original amount would understate net worth.