{
  "slug": "net-worth",
  "title": "Net Worth Calculator",
  "heading": "Net Worth Calculator",
  "category": "financial",
  "url": "https://www.revenuelab.fyi/toolbox/net-worth",
  "summary": "Assets minus liabilities, plus your debt-to-asset ratio.",
  "description": "Net worth is the single cleanest measure of financial progress because it captures both sides of the ledger. Track it quarterly — the trend matters far more than the absolute number.",
  "formula": "Net worth = Total assets − Total liabilities.",
  "dateModified": "2026-09-30",
  "run_url": "https://www.revenuelab.fyi/api/public/calc?tool=net-worth",
  "inputs": [
    {
      "id": "cash",
      "label": "Cash and savings",
      "kind": "number",
      "hint": null,
      "default": 25000,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "investments",
      "label": "Investments and retirement",
      "kind": "number",
      "hint": null,
      "default": 95000,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "property",
      "label": "Property value",
      "kind": "number",
      "hint": null,
      "default": 420000,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "other",
      "label": "Other assets",
      "kind": "number",
      "hint": null,
      "default": 18000,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "mortgage",
      "label": "Mortgage",
      "kind": "number",
      "hint": null,
      "default": 280000,
      "unit": "$",
      "min": 0,
      "max": null
    },
    {
      "id": "loans",
      "label": "Loans and card debt",
      "kind": "number",
      "hint": null,
      "default": 22000,
      "unit": "$",
      "min": 0,
      "max": null
    }
  ],
  "outputs": [
    {
      "id": "netWorth",
      "label": "Net worth",
      "format": "currency",
      "hint": null,
      "primary": true
    },
    {
      "id": "assets",
      "label": "Total assets",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "liabilities",
      "label": "Total liabilities",
      "format": "currency",
      "hint": null,
      "primary": false
    },
    {
      "id": "ratio",
      "label": "Debt-to-asset ratio",
      "format": "percent",
      "hint": null,
      "primary": false
    },
    {
      "id": "liquid",
      "label": "Liquid net worth",
      "format": "currency",
      "hint": null,
      "primary": false
    }
  ],
  "worked_example": {
    "inputs": [
      "Cash and savings: 25000 $",
      "Investments and retirement: 95000 $",
      "Property value: 420000 $",
      "Other assets: 18000 $",
      "Mortgage: 280000 $",
      "Loans and card debt: 22000 $"
    ],
    "outputs": [
      "Net worth: $256,000.00",
      "Total assets: $558,000.00",
      "Total liabilities: $302,000.00",
      "Debt-to-asset ratio: 54.1%",
      "Liquid net worth: $120,000.00"
    ]
  },
  "how_to": {
    "title": "How to use this",
    "steps": [
      "Enter cash and savings ($).",
      "Enter investments and retirement ($).",
      "Enter property value ($).",
      "Enter other assets ($).",
      "Enter mortgage ($).",
      "Enter loans and card debt ($).",
      "Read your net worth on the right — it updates as you type.",
      "Hit Share to keep the scenario or send it to someone."
    ]
  },
  "scenarios": [
    {
      "name": "Conservative",
      "description": "Lower-end numbers — what if things land soft?",
      "values": {
        "cash": 15000,
        "investments": 57000,
        "property": 250000,
        "other": 11000,
        "mortgage": 170000,
        "loans": 13000
      }
    },
    {
      "name": "Typical",
      "description": "Defaults — the most common real-world setup.",
      "values": {
        "cash": 25000,
        "investments": 95000,
        "property": 420000,
        "other": 18000,
        "mortgage": 280000,
        "loans": 22000
      }
    },
    {
      "name": "Ambitious",
      "description": "Higher-end numbers — what if things really pop?",
      "values": {
        "cash": 40000,
        "investments": 152000,
        "property": 670000,
        "other": 29000,
        "mortgage": 450000,
        "loans": 35000
      }
    }
  ],
  "limitations": [
    "Results are estimates before tax, fees, and inflation unless an input explicitly covers them.",
    "Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.",
    "This is educational maths, not financial advice. Check anything contractual with the lender or your accountant."
  ],
  "faq": [
    {
      "q": "How does the net worth calculator work?",
      "a": "Net worth is the single cleanest measure of financial progress because it captures both sides of the ledger. Track it quarterly — the trend matters far more than the absolute number. The underlying maths is: Net worth = Total assets − Total liabilities."
    },
    {
      "q": "What do I need to enter?",
      "a": "6 values: cash and savings, investments and retirement, property value, other assets, mortgage, and loans and card debt. Each field starts with a sensible default, so you can change one number at a time and watch the result move."
    },
    {
      "q": "What does the net worth result mean?",
      "a": "It is returned as a money amount in US dollars and updates live as you edit the inputs, so you can compare two or three versions of a scenario in a few seconds."
    },
    {
      "q": "Is this calculator free, and do I need an account?",
      "a": "Yes, it's free, and no account is required. Nothing you type is stored on our servers — the maths runs entirely in your browser."
    },
    {
      "q": "How accurate is the result?",
      "a": "It applies the standard formula exactly, so the arithmetic is precise. Results are estimates before tax, fees, and inflation unless an input explicitly covers them."
    },
    {
      "q": "Who is this tool for?",
      "a": "It's built for anyone comparing money scenarios before committing — budgeting a payment, sanity-checking a quote, or seeing what a change in rate or term actually costs."
    }
  ],
  "related": [
    "https://www.revenuelab.fyi/toolbox/emergency-fund",
    "https://www.revenuelab.fyi/toolbox/retirement"
  ],
  "license": "CC-BY-4.0",
  "citation": "RevenueLab — Net Worth Calculator (https://www.revenuelab.fyi/toolbox/net-worth)"
}