Calculate net worth

Build a personal balance sheet by totaling owned assets and subtracting every outstanding liability.

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ToolNet Worth Calculator
Input
Output
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Preview

How it works

Each line is read as a leading amount followed by its label, then valid assets and liabilities are totalled separately. Net worth subtracts liabilities from assets, while debt-to-assets divides those totals; no balances are supplied by default.

Formula
net worth = total assets − total liabilities
debt-to-assets = total liabilities ÷ total assets × 100
  • Comma-grouped amounts such as 250,000 are normalised before arithmetic.
  • The largest valid entry in each list is retained for the summary.

Worked example

A rough personal balance sheet
Assets and debts, one amount per line
Input
											Assets: ["250000 house","15000 savings","8000 car"]
Liabilities: ["180000 mortgage","4000 car loan"]
Output
												Net worth: 89000
Total assets: 273000
Total liabilities: 184000
Debt to asset percent: 67.4
Largest asset: house at 250000
Largest debt: mortgage at 180000

When to use this

Mortgage applications, annual personal-finance reviews, and estate-planning inventories bring property, cash, vehicles, loans, and card balances into one balance sheet.

Edge cases

  • A line without a leading numeric amount is skipped rather than guessed from text.
  • Commas in a leading amount such as 250,000 are removed before numeric conversion.
  • With no valid assets, debt-to-assets is reported as 0 even when liabilities exist because the ratio has no asset denominator.