How net worth is calculated
Add all entered asset amounts to get A. Add all entered liability amounts to get L. Net worth = A − L. An empty list totals zero. All entries use one currency; there is no currency conversion.
Use your own asset values and outstanding debt balances for the same point in time. Labels such as retirement accounts and property do not apply tax rules, returns or valuations. Include each amount once: for example, a property’s value belongs under assets and its outstanding mortgage under liabilities. Entering equity as the property value and also subtracting the mortgage would count that debt twice.
Example: assets of 100 and liabilities of 150 give net worth of −50. Adding a separate asset of 25 gives −25. Removing the liability entry gives 125. Each example is a snapshot, not a projection or a comparison with other people.
Educational and hypothetical only, not financial advice or a prediction. The result reflects only the entries you include. This tool does not connect to banks or brokers, value property, model taxes or account rules, rank your finances or track changes over time. Names and amounts stay in the current page’s memory; refreshing removes your entries and restores the zero-amount starting lists.