Source: https://adamou-financial-consulting.vercel.app/tools/net-worth/

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# Net worth calculator

 

Put what you own and what you owe in one snapshot.

  [ 
    
   Use the calculator
](https://adamou-financial-consulting.vercel.app/#tool-networth) [ 
    
   Before you begin
](https://adamou-financial-consulting.vercel.app/#prepare) [ 
    
   See an example
](https://adamou-financial-consulting.vercel.app/#worked-example)  

Private calculations in your browser. No account required.

 

Your calculator

Net worth

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Changes units and formatting, not exchange rates. Enter every amount in the selected currency.

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EXPLORE YOUR NUMBERS

## Net worth

Put what you own and what you owe in one snapshot.

Cash and savings 

(USD)

Investments and retirement accounts 

(USD)

Property and other assets 

(USD)

Mortgages and other loans 

(USD)

Credit cards and other debts 

(USD)

CalculateReset example

Example values are shown. Change them to explore your situation.

How this estimate works

Net worth = cash + investments + property − loans − other debts.

Use current estimates, include each asset or debt only once, and include any mortgage alongside the property value. This snapshot does not account for taxes or selling costs.

 

BEFORE YOU BEGIN

 

## Bring the right numbers.

 

Estimates are enough to explore. Keep every money amount in the same
        selected currency.

   
- 01

 

Current estimates for cash, investments, and property.

- 02

 

Outstanding loan and credit balances from the same date.

- 03

 

A check that each asset and debt appears only once.

 

MAKE THE RESULT USEFUL

 

## What to look for.

 

Use a consistent date for your estimates. Include the value of a property and its outstanding mortgage separately, and avoid counting an account twice. A net-worth total is a snapshot, not a measure of available spending money.

 [
Discuss your next step with Matt
](https://adamou-financial-consulting.vercel.app/contact/?goal=goals) 

Your calculator inputs are not included in your inquiry.

   

WORKED EXAMPLE · USD

 

###  Estimated net worth: $38,000.00 

   Cash and savings  $10,000.00   Investments and retirement accounts  $25,000.00   Property and other assets  $18,000.00   Mortgages and other loans  $12,000.00   Credit cards and other debts  $3,000.00    

$53,000.00 in assets − $15,000.00 in debts. A snapshot, not a measure of your worth as a person.

 

The example matches the starting inputs. It is an illustration, not a
        recommendation.

 

TRY ANOTHER SCENARIO

 

## 
Change one thing.
  Notice the difference.

   

Update one estimate at a time to see how it affects the total. Keep the date of your snapshot consistent; changing asset dates without updating debts can make comparisons misleading.

 [
Return to your numbers
](https://adamou-financial-consulting.vercel.app/#tool-networth) 

Changing inputs here does not send them to Matt or save them between
        visits.

 

A FEW THINGS YOU MAY BE WONDERING

 

## 
Good questions.
  Clear answers.

     Should I subtract the mortgage from my property value first? 

  

Enter the property’s estimated value under assets and the outstanding mortgage under loans. Subtracting the mortgage first and then listing it as a loan would count the debt twice.

   Does a positive net worth mean that amount is available to spend? 

  

No. Property and retirement accounts are not the same as available cash. This snapshot also excludes taxes and selling costs, so it is not an estimate of cash you could immediately access.

 

KEEP EXPLORING

 

## Build a fuller picture.

 

Three related tools for your next question.

  [
View all tools
](https://adamou-financial-consulting.vercel.app/tools/)   [ 

 

### Monthly budget

 

See what’s left after your monthly commitments.

 ](https://adamou-financial-consulting.vercel.app/tools/monthly-budget/)[ 

 

### Debt payoff

 

Compare what a fixed monthly payment could mean for one balance.

 ](https://adamou-financial-consulting.vercel.app/tools/debt-payoff/)[ 

 

### Compound growth

 

Explore how regular contributions could grow over time.

 ](https://adamou-financial-consulting.vercel.app/tools/compound-growth/)