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
📚 国別の計算ガイド
計算ロジック
金融・ローン・比率・単位変換の公開標準を使用します。
参照範囲
公開された基準と各国で一般的な運用慣行を参照します。
前提条件
税率・手数料・上限は地域や金融機関で異なります。
結果の読み方
結果は基準シナリオとして活用してください。最終判断前に金融機関見積と税務条件を比較してください。
ロケール既定値
通貨: JPY
単位: metric
税計算モデル: US payroll estimate
法規上の注意
本ツールは国別プリセットによる概算です。実際の契約条件や法的上限は金融機関・地域法令により異なる場合があります。
推奨アクション
- 申込前に最低2〜3社の条件を比較してください。
- 手数料・税務・繰上返済条項を書面で再確認してください。
- 金利+1〜2%と収入減少のストレスケースも確認してください。
実際の契約前に、必ず現地機関の最新条件を確認してください。