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Net Worth Calculator

Assets

Instrument Present Value Annual Growth Rate % Type Remove

Liabilities

Instrument Present Value Annual Reduction Rate % Remove

What is Net Worth?

Net worth is the difference between your assets (what you own) and liabilities (what you owe). It provides a snapshot of your financial health at a specific point in time.

Term Description
Assets Things you own that have value, such as cash, investments, property, vehicles, etc.
Liabilities Debts or obligations that you owe, such as loans, mortgages, credit card debt, etc.
Net Worth Assets minus Liabilities = Net Worth

Types of Assets by Liquidity

Asset Type Description
Liquid Assets that can be converted to cash quickly without significant loss of value (e.g., cash, bank accounts, stocks, mutual funds)
Partial Liquid Assets that can be converted to cash but may take time or incur penalties (e.g., retirement accounts, fixed deposits with lock-in periods, PPF, SSY)
Illiquid Assets that are difficult to convert to cash quickly without significant loss of value (e.g., real estate, business ownership, collectibles)

Tracking your net worth over time helps you monitor your financial progress and make better financial decisions. A growing net worth generally indicates that you're building wealth, while a declining net worth may signal the need to adjust your financial strategy.