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Asset and Debt Net Worth
Sum selected asset values and outstanding debt to calculate a signed net worth.
- Formula & worked example
- Private in your browser
- No signup
Calculator inputs
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How to use this calculator
- Enter the known values in the units shown. Results update as you type.
- Where results are editable, change one to solve backwards. Lock a value to hold it fixed.
- Use the worked example to check the method. Reset restores the starting fields.
Use the result with context
Results are estimates for planning and education. Confirm rates, taxes, fees, and legal requirements with the relevant institution or a qualified professional before making a financial decision.
Formula and method
Assets of 200,000 less outstanding debt of 100,000 give net worth of 100,000.
Net worth = sum(asset values) − sum(outstanding debt).
Worked example
Enter these known values and leave the other values blank.
- Primary home
- 200000 USD
- Holiday home
- 0 USD
- Other real estate
- 0 USD
- Shares and financial investments
- 0 USD
- Motor vehicles
- 0 USD
- Other assets
- 0 USD
- Savings accounts
- 0 USD
- Checking accounts
- 0 USD
- Other investments
- 0 USD
- Mortgage
- 100000 USD
- Car loan
- 0 USD
- Personal loan
- 0 USD
- Student loan
- 0 USD
- Lease purchase
- 0 USD
- Consumer loan
- 0 USD
- Credit card debt and bank overdraft
- 0 USD
- Other debt
- 0 USD
- Your total asssets
- 200000 USD
- Your total liabilities
- 100000 USD
- Your net worth
- 100000 USD
Assumptions and limitations
- Use current realizable asset values and outstanding debt for the same date. Negative net worth is possible.
- Optional benchmarks are family medians from the published 2016 Survey of Consumer Finances, in 2016 US dollars. They are not means, personal percentiles or current benchmarks. Comparing modern-dollar amounts without rebasing is inappropriate.
- Enter all money amounts in one currency. The retained currency conversion menu uses captured historical conversion factors, not current exchange quotes.
- Clear an unknown editable field before solving an inverse; fixed selections and output-only fields cannot be inferred.
Common questions
What does this calculation assume?
Use current realizable asset values and outstanding debt for the same date. Negative net worth is possible.
Are these current exchange rates?
No. Use one currency consistently; currency menu factors are a historical snapshot.
References
Use the September 2017 Federal Reserve Bulletin Table 2 published 2016 family medians, in 2016 US dollars. Correct six inconsistent income values and their conditional text targets. Age and education medians match the same table. This is an explicitly historical comparison, not a current percentile.
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