Tools

Net Worth Calculator

If you sold all your assets and paid all your debts, what would be left over? That’s your net worth. Calculate it here.

Don’t get obsessed with accounting for every penny. Ballpark values will do, especially when it comes to tangible, illiquid items like collections. See below for definitions of terms in this calculator and read our guidance on how to establish more accurate values for your various assets.

Assets
CASH
Checking Accounts
Savings Accounts
CDs
Savings Bonds
Other/Under the Mattress
RETIREMENT SAVINGS
IRAs
401(k)s
Keogh Accounts
Pensions
Only the amount you could withdraw in cash today
Other
OTHER INVESTMENTS / BROKERAGE ACCOUNTS
Stocks
Bonds
Mutual Funds
Other
VALUE OF BUSINESSES YOU OWN
LIFE INSURANCE / ANNUITIES
Cash Value of Life Insurance
Surrender Value of Annuities
CURRENT MARKET VALUE OF HOME(S)
Primary Residence
Rental/Vacation Properties
PROPERTY
Cars
Motorcycles/RVs/Other
Boats
Household Furnishings
Appliances
Jewelry
Antiques
Collections
Other
Liabilities
BALANCE DUE ON DEBTS
Credit Cards
Mortgages
Home-Equity Loans
Auto Loans
Student Loans
Other Loans/Debts
BILLS DUE
Household Utilities
Taxes Due
Your Net Worth
$0.00
Total Assets: $0.00
Total Liabilities: $0.00

Assets:

Cash: what you have on hand, what’s in your checking accounts and what’s in your savings accounts. Include any savings bonds and certificates of deposit.

Retirement Savings: the value of your 401(k), IRA or other defined-contribution plans. Pensions can be tricky to value.

Other Investments/Brokerage Accounts: Draw from your most recent statements for stocks, bonds, mutual funds and other negotiable instruments.

Businesses You Own: While these could be potentially significant assets, they may be illiquid or have significant debt. You will know best how to value them for your personal circumstances.

Life Insurance or Annuities: Your premium payments on a whole-life insurance policy add to your net worth by increasing the policy’s cash value (the amount you’d get if you cashed it in). Also include the surrender value of any annuities you own.

Primary Residence: If you are a homeowner, this is likely to be your biggest asset. Online calculators can help you get an estimate, but also, check to find out what similar homes in your area are fetching. Same goes for a rental or vacation property you might own.

Property: While cars are relatively easy to value with online guides, other tangible items can be more difficult. Consult specialty guides (or look at online auction sale prices of comparables) and be conservative.

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