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
📚 Guide de calcul local
Logique de formule
Utilise des formules publiques de finance, prêt, ratio et conversion.
Périmètre des sources
Références basées sur standards publics et pratiques courantes par pays.
Hypothèses
Taxes, frais, taux et plafonds varient selon la région et l’organisme.
Result Interpretation
Utilisez ce résultat comme scénario de base. Avant décision, comparez-le avec une offre réelle et la fiscalité locale.
Préréglage local
Devise: EUR
Unités: metric
Modèle fiscal: US payroll estimate
Note réglementaire
Cet outil utilise des préréglages régionaux pour l’estimation. Les conditions réelles et limites légales varient selon l’établissement et la loi locale.
Actions recommandées
- Comparez au moins 2-3 établissements locaux avant décision.
- Vérifiez par écrit frais, fiscalité et clause de remboursement anticipé.
- Testez un scénario de stress avec +1-2% de taux.
Avant toute décision réelle, vérifiez les règles locales à jour.