Enter Your Data
The page uses one main content column, while the calculator fields display in three columns on large screens, two on tablets, and one on mobile.
Formula Used
1. Total Assets
Total Assets = Cash + Brokerage + Retirement + Real Estate + Business + Vehicles + Alternatives + Other Assets
2. Total Liabilities
Total Liabilities = Mortgage + Margin Loan + Student/Personal Loans + Credit Cards + Taxes Due + Other Liabilities
3. Net Worth
Net Worth = Total Assets − Total Liabilities
4. Investment Ratio
Investment Ratio = (Investable Assets ÷ Total Assets) × 100
5. Debt-to-Asset Ratio
Debt-to-Asset Ratio = (Total Liabilities ÷ Total Assets) × 100
6. Emergency Fund Coverage
Emergency Fund Months = Cash and Savings ÷ Monthly Expenses
7. Future Investment Value
Future Investments = Present Investable Assets × (1 + monthly return)months + Monthly Contribution × [((1 + monthly return)months − 1) ÷ monthly return]
8. Future Net Worth
Future Net Worth = Future Investments + Future Other Assets − Future Liabilities
How to Use This Calculator
- Choose your preferred currency symbol.
- Enter current balances for every asset category you own.
- Enter all outstanding liabilities, even if payments are current.
- Add monthly contributions and expected growth assumptions for projections.
- Include monthly expenses to evaluate emergency fund coverage.
- Set a target net worth to test whether your plan reaches it.
- Press Calculate Net Worth to show results above the form.
- Review charts, insights, ratios, and the downloadable report files.
Example Data Table
| Category | Example Value |
|---|---|
| Cash and Savings | $15,000.00 |
| Brokerage Accounts | $45,000.00 |
| Retirement Accounts | $70,000.00 |
| Real Estate Value | $180,000.00 |
| Business Value | $40,000.00 |
| Vehicle Value | $20,000.00 |
| Gold / Crypto | $10,000.00 |
| Other Assets | $5,000.00 |
| Mortgage Balance | $110,000.00 |
| Margin Loan | $5,000.00 |
| Student / Personal Loans | $12,000.00 |
| Credit Card Balance | $3,000.00 |
| Taxes Due | $4,000.00 |
| Other Liabilities | $1,000.00 |
| Total Assets | $385,000.00 |
| Total Liabilities | $135,000.00 |
| Net Worth | $250,000.00 |
| Investment Ratio | 36.36% |
| Debt-to-Asset Ratio | 35.06% |
FAQs
1. What does net worth mean?
Net worth is the difference between everything you own and everything you owe. It gives a clear snapshot of your current financial position.
2. Should retirement accounts be included?
Yes. Retirement balances are assets and should usually be included. They matter when measuring long-term wealth, even if access is restricted today.
3. Are mortgages counted as liabilities?
Yes. Mortgage balances reduce net worth because they represent money still owed. The property value stays in assets, while the unpaid loan remains a liability.
4. Why is the investment ratio useful?
It shows how much of your wealth is in investable assets rather than illiquid holdings. Higher ratios often improve flexibility, compounding potential, and rebalancing ability.
5. What does debt-to-asset ratio show?
This ratio measures leverage. A lower value usually means less financial pressure, while a higher value signals that debt is consuming a larger share of assets.
6. Why does the calculator project future net worth?
Projection helps you test how contributions, returns, inflation, and liability growth may affect future wealth. It is useful for target planning and decision making.
7. How often should I update the numbers?
Many people update monthly or quarterly. Frequent reviews help track progress, notice debt changes, and keep investment assumptions realistic.
8. Can I improve net worth even if it is negative?
Yes. Paying down high-cost debt, increasing savings, growing income, and investing consistently can gradually move net worth from negative to positive.