Savings Calculators
Net Worth Calculator
Add up assets and subtract liabilities to see your net worth and how liquid your position really is.
Net worth
$331,000
- Total assets
- $618,000
- Total liabilities
- $287,000
- Liquid net worth
- $151,000
- Debt to assets
- 46.4%
How this calculator works
Net worth = total assets − total liabilities
- liquid net worth
- cash and investments less non-mortgage debt
Example calculation
Illustrative example — not advice
Worked example — the net worth calculator as it loads, using the default figures below.
- 01Enter cash and savings: $28,000.
- 02Enter investments and retirement: $145,000.
- 03Enter property value: $420,000.
- 04Enter other assets: $25,000.
- 05Enter mortgage balance: $265,000.
- 06Enter other debt: $22,000.
- 07Read the net worth from the results panel: $331,000.
Net worth: $331,000. Total assets: $618,000. Total liabilities: $287,000. Liquid net worth: $151,000. Debt to assets: 46.4%.
These figures come straight from the calculator above running on the values listed, so you can retype them and confirm every number yourself. Change any input and the results update immediately. Illustrative only — not a quote, offer or recommendation.
Important considerations
- Property values are estimates until you sell.
- Track the trend rather than the absolute figure — direction matters more.
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- Savings Rate CalculatorYour true savings rate and what it buys.
- Emergency Fund CalculatorEmergency fund target and time to build it.
- Debt Payoff CalculatorPayoff date and interest saved from paying extra.
- Savings Goal CalculatorMonthly saving needed to hit a target.
- Certificate of Deposit CalculatorMaturity value of a fixed-term deposit.
Terms used here
Frequently asked questions
Should retirement accounts count?
Yes, they are assets — though they are not liquid, which is why the liquid figure is shown separately.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01