Get a Clear Picture of Your Finances Using a Net Worth Calculator

Want to understand where you stand financially? Your net worth offers the most complete snapshot of your personal finances. It’s the difference between everything you own and everything you owe. Buddyloan’s net worth calculator gives you an easy, structured way to evaluate your financial position — whether you're planning for retirement, paying down debt, or just getting started.

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Net Worth Calculator

Use this tool to:

  • Tally up your assets and liabilities in one place
  • Automatically calculate your net worth
  • See a graphical breakdown of your finances
  • Discover opportunities to grow your wealth or reduce debt

This calculator is beginner-friendly and includes built-in formatting, so your numbers are always clear, accurate, and easy to interpret.

How to Use the Net Worth Calculator

To begin calculating your net worth, follow these steps:

Enter all your assets

Include balances from bank accounts, investment portfolios, real estate holdings, vehicles, retirement accounts, and valuables like jewelry or art.

List your liabilities

This includes mortgage debt, student loans, car loans, credit cards, and any other outstanding balances.

Click “Calculate”

The tool will instantly compute your total assets, total liabilities, and net worth.

Review the results

Use the visual breakdown to see where your wealth is concentrated and where debt might be limiting your progress.

How to Calculate Net Worth

The net worth formula is simple:

Net Worth = Total Assets – Total Liabilities

Examples of Assets:

  • Cash & Bank Accounts – Checking, savings, money market funds
  • Investments – Stocks, bonds, mutual funds
  • Retirement Accounts – 401(k), IRA, pension funds
  • Real Estate – Market value of homes, land, or rental property
  • Vehicles & Valuables – Cars, motorcycles, collectibles, art, or jewelry

Examples of Liabilities:

  • Mortgage Balance
  • Car Loans
  • Credit Card Debt
  • Student Loans
  • Personal or Payday Loans
  • Other Liabilities not listed above

The result can be positive or negative, depending on whether you own more than you owe. A positive number means you're building wealth. A negative net worth suggests it may be time to reduce debt or reconsider large purchases.

Example of Wealth Calculation

Here’s a quick scenario to show how the calculator works:

Assets:

Cash & Savings $12,000
Investments $35,000
Home $200,000
Vehicle & Personal Items $18,000
Total Assets $265,000

Liabilities:

Mortgage $130,000
Auto Loan $15,000
Credit Card Debt $7,000
Total Liabilities $152,000

Result:

Net Worth ($265,000 – $152,000) $113,000

This means you have a positive net worth of $113,000, indicating healthy progress toward financial goals.

More Handy Personal Finance Tools

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