Net Worth Calculator
This Net Worth Calculator is a financial tool that you can use to see what your current net worth is, as well as to estimate what your future net worth will be. To use it, you will a list of your financial assets and their current values, as well as a list of all your debts and their current balances. You'll also need reasonable estimates of the annual rates for growth that you expect for both your assets and liabilities. The Net Worth Calculator will use these to determine your current net worth and predict your future net worth.
Financial Calculators from
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Projected net worth by year for 10 years.
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Annual asset growth
Average annual rate you expect your assets to increase (or decrease if negative) in value.
Annual liability growth
Average annual rate you expect your liabilities to increase (or decrease if negative) in value.
Current value of your home. This should be as close as possible to the actual market value of your home. If you have owned your home for a number of years, the current market value could be significantly higher than your original purchase price.
Other real estate
The value of any other real estate you may own. Include second homes, undeveloped land, rental property or any commercial buildings you may have an interest in. As with your home, use the actual market value of this real estate.
This is the total value of all automobiles that you own. Do not include any leased vehicles.
If you own any other vehicles, such as RVs, campers or collectibles, enter them here.
The value of any jewelry, gems or precious metals such as gold. If you have owned these items for a number of years they may have appreciated in price, so remember to use the current market value.
The value of your household goods and items. This would include items such as furniture, home electronics, silverware, etc.
The current total balance of your retirement accounts. This should include IRAs, 401(k) savings, SEP IRAs, variable annuities and any other retirement savings you may have.
If you own any Treasury, municipal or commercial bonds, that are not part of your retirement accounts, enter the total here.
If you own any individual stocks, that are not part of your retirement accounts, enter the total here.
If you own any mutual funds, that are not part of your retirement accounts, enter the total here.
Cash value of life insurance
Some life insurance has a cash value. This is true for whole life and universal life policies. Term life policies, on the other hand, have no cash value. If you have life insurance with a cash value, enter the total here. Remember, this should be the cash value of the policy, not the amount paid out if you were to collect on the policy.
If you own any savings bonds enter the total here.
Checking and savings
The current total balance of your checking and savings accounts.
If you have any other cash, enter the total here.
If you have any other assets of value, you can enter the total here.
Home mortgage principal
This is the current principal balance remaining on your mortgage. This is the amount that you would have to pay to own your home free and clear.
Other mortgage principal
This is the current principal balance for any other real estate mortgages you may have. This includes mortgages on rental property, undeveloped land, commercial property or any other real estate.
Total amount you currently have outstanding on your auto loans.
Total amount, if any, that you currently owe in college or student loans. You should enter the total outstanding even if these loans are currently in deferment.
Credit card debt
Your total credit card debt.
Total amount, if any, of any other loans you may have.
Net Worth Calculator overview
The notion of a person's net worth is fairly simple: How much do you have, minus how much you owe. In more technical terms, it's your net assets minus your net liabilities, or debts.
Net worth is considered to be one of the more reliable indicators of one's financial status, more so than mere income. Consider: a person may be earning $150,000 a year, but if that income is swallowed up by debt payments on $2 million in liabilities, that person may be in a more precarious position than someone earning a mere $50,000 a year with little debt.
At the same time, net worth is not an absolute guide to one's financial health. Not all debt is the same. A person with a $500,000 mortgage may be in a better financial position than someone with a similar income with $50,000 in credit card debt, because the mortgage represents a home with durable value. Someone with negative net worth because they're starting a business may actually have a bright financial future.
Still, your net worth is a good place to start to get a snapshot of your financial situation and to see where you stand. A close look at what makes up your net worth can also identify areas of strength or weakness you can work on to improve your financial situation.
It's a good idea to calculate your net worth on a regular basis, at least once a year. That gives you a picture of where you're going financially and whether you're on track to meet your goals. Declining or stagnant net worth may be a sign you need to make some changes.
Using the Net Worth Calculator
The Net Worth Calculator has two main sections: your assets and your liabilities (debts). It also has fields where you can enter the rate at which you expect your assets and liabilities to increase or shrink over the coming years.
Most of the fields should be self-explanatory. If you're unsure or need additional information about any of them, you can obtain a definition and explanation by clicking on the name of the field in question.
The calculator will project your net worth out to 10 years from now, based on the rates of growth you expect for both your assets and your liabilities. Note that you can enter negative figures for these as well; if you expect to shrink your debts over time, you can account for that by entering a negative percentage for your annual growth in liabilities.
You can also use the green triangles on the sliding bar to play around with these figures and see how fluctuations in either the growth or shrinkage of your assets or liabilities will affect your net worth 10 years from now.
Enter the current values for your home, automobiles and other assets, not what you originally paid for them. Note there are separate fields under the liabilities section to enter what you still owe on these things.
For things like jewelry and household items, enter your best estimate if you have not had them recently appraised.
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