INVESTING
Net Worth Calculator
Calculate current net worth from assets and liabilities, then project how balances and growth assumptions may change it over time.
Net worth$116,850Assets minus liabilities, this year
Assets$269,6003 lines
Liabilities$152,7502 lines
THE PATH
Where the balance sheet goes.
In 30 years the projection ends at $466,662.
| Year | Net worth | Assets | Liabilities |
|---|---|---|---|
| 1 | $116,850 | $269,600 | $152,750 |
| 2 | $128,954 | $279,626 | $150,673 |
| 3 | $141,317 | $290,101 | $148,783 |
| 4 | $153,947 | $301,048 | $147,100 |
| 5 | $166,848 | $312,493 | $145,645 |
| 6 | $180,021 | $324,462 | $144,442 |
| 7 | $193,466 | $336,985 | $143,519 |
| 8 | $207,182 | $350,092 | $142,910 |
| 9 | $221,163 | $363,814 | $142,652 |
| 10 | $235,398 | $378,187 | $142,789 |
| 11 | $249,874 | $393,246 | $143,372 |
| 12 | $264,571 | $409,030 | $144,459 |
| 13 | $279,463 | $425,580 | $146,117 |
| 14 | $294,515 | $442,939 | $148,425 |
| 15 | $309,684 | $461,155 | $151,471 |
| 16 | $324,917 | $480,275 | $155,358 |
| 17 | $340,149 | $500,353 | $160,205 |
| 18 | $355,297 | $521,445 | $166,148 |
| 19 | $370,265 | $543,609 | $173,344 |
| 20 | $384,934 | $566,908 | $181,974 |
| 21 | $399,165 | $591,411 | $192,246 |
| 22 | $412,789 | $617,188 | $204,399 |
| 23 | $425,606 | $644,315 | $218,709 |
| 24 | $437,382 | $672,875 | $235,493 |
| 25 | $447,837 | $702,952 | $255,114 |
| 26 | $456,645 | $734,638 | $277,993 |
| 27 | $463,422 | $768,033 | $304,612 |
| 28 | $467,716 | $803,240 | $335,524 |
| 29 | $469,001 | $840,371 | $371,370 |
| 30 | $466,662 | $879,544 | $412,882 |
THE BALANCE SHEET
What you own and what you owe.
How net worth is calculated
- Add the current value of cash, investments, property, and other assets.
- Add debts such as mortgages, student loans, cards, and other liabilities.
- Subtract total liabilities from total assets.
- Project each balance using its chosen growth or interest assumption.
Worked example
If assets total $250,000 and liabilities total $90,000, current net worth is $160,000. The projection then applies each balance’s rate independently.
Assumptions and boundaries
- Entered balances are current estimates rather than appraised or guaranteed values.
- Growth rates remain constant for the projection period.
- Inflation-adjusted results use the single inflation rate you provide.
Important limitation: The projection excludes taxes, transaction costs, contributions, withdrawals, and market volatility unless reflected in the balances you enter.
Sources and review
Methodology and links reviewed . This educational estimate is not financial, tax, legal, investment, or lending advice.
Frequently asked questions
- Should a home be included in net worth?
- You may include its estimated market value as an asset and the outstanding mortgage as a liability. For retirement planning, also consider whether the equity is spendable.
- Is a negative net worth always a problem?
- Not necessarily. Student loans or a new mortgage can make net worth negative temporarily; trend, cash flow, interest cost, and repayment capacity provide needed context.