What is "Net Worth"?
Net worth is the total value of your assets minus your debts. It is a key indicator of financial health.
Example: Assets $300k - Debts $120k = Net worth $180k
Net Worth Calculator
Net Worth Projection
| Year | Assets | Debts | Net Worth |
|---|---|---|---|
| 1 | $300,464,759.00 | $132,200,000.00 | $168,264,759.00 |
| 2 | $321,976,534.00 | $127,400,000.00 | $194,576,534.00 |
| 3 | $344,588,893.00 | $122,600,000.00 | $221,988,893.00 |
| 4 | $368,358,142.00 | $117,800,000.00 | $250,558,142.00 |
| 5 | $393,343,471.00 | $113,000,000.00 | $280,343,471.00 |
| 6 | $419,607,098.00 | $108,200,000.00 | $311,407,098.00 |
| 7 | $447,214,421.00 | $103,400,000.00 | $343,814,421.00 |
| 8 | $476,234,187.00 | $98,600,000.00 | $377,634,187.00 |
| 9 | $506,738,660.00 | $93,800,000.00 | $412,938,660.00 |
| 10 | $538,803,799.00 | $89,000,000.00 | $449,803,799.00 |
Net Worth Result
$143,000,000.00
Assets $280,000,000.00 - Debts $137,000,000.00
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📝 How to Use
Enter Assets
Input cash, investments, and property.
💡 Use realistic market values.
Enter Debts
Add mortgages, loans, and card balances.
💡 Use remaining balances.
Set Savings & Payments
Add monthly savings and debt payments.
💡 Consistency matters most.
Review Projection
Check yearly net worth changes.
💡 Use conservative return rates.
🎯 Who is this for?
Useful for various situations
Home Purchase Plan
See how loans affect net worth over time
Investment Checkup
Analyze how returns change net worth
Debt Strategy
Adjust payments to reduce debt faster
Net Worth Goal
Estimate time to reach your target
Expert Tip
Update net worth on the same date each year to track trends. Faster debt payoff accelerates long-term growth.
— Personal Finance Principles
❓ Frequently Asked Questions
It can happen early when loans are large. The key is improving over time.
Use recent transaction prices or a conservative estimate.
Conservative rates keep plans realistic. Use long-term averages.
📌 Key Takeaways
- ✅Net worth = assets - debts
- 📈Savings and payments drive growth
- 🛡️Conservative returns keep plans realistic
- 🗓️Track yearly trends for strategy
📚 Länderbezogener Rechenleitfaden
Formellogik
Verwendet öffentliche Standards für Finanzen, Darlehen, Quoten und Umrechnung.
Quellenrahmen
Bezug auf öffentliche Standards und übliche Praxis je Land.
Annahmen
Steuern, Gebühren, Zinssätze und Grenzen variieren nach Region/Institut.
Result Interpretation
Nutzen Sie das Ergebnis als Basisszenario. Vor Entscheidungen mit echtem Angebot und lokaler Steuerlage abgleichen.
Lokale Voreinstellung
Währung: EUR
Einheiten: metric
Steuermodell: US payroll estimate
Regulatorischer Hinweis
Dieses Tool nutzt regionale Voreinstellungen zur Schätzung. Reale Vertragsbedingungen und gesetzliche Grenzen variieren je nach Institut und Rechtsraum.
Empfohlene nächste Schritte
- Vergleichen Sie vor Abschluss mindestens 2-3 lokale Anbieter.
- Prüfen Sie Gebühren, Steuerwirkung und Vorfälligkeitsklauseln schriftlich.
- Simulieren Sie ein Stressszenario mit +1-2% Zins.
Vor realen Entscheidungen bitte die aktuellen lokalen Regeln prüfen.