Build a dated net-worth statement from eight asset and liability categories, using owned values minus owed balances without liquidity or health scoring.
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Reconcile a dated, ownership-consistent balance sheet with explicit asset and liability categories without inventing liquidity, valuation, or financial-health conclusions.
Compare current owned assets and owed balances on one date.
Collect statement values, enter each category once, and review the signed difference with source notes.
Has a reproducible snapshot and can identify missing or stale records.
Avoid inconsistent ownership scope or double counting.
Choose one ownership scope, apportion or exclude records consistently, and keep related gross assets and debts separate.
Can explain exactly whose assets and liabilities the result includes.
Keep uncertain valuations distinct from cash and market statements.
Use a documented date/basis for real estate and other interests, note uncertainty externally, and enter related liabilities separately.
Does not treat the result as an appraisal, tax basis, estate value, or liquid amount.
Outputs and checklists are planning aids. Review the linked current authorities and the records, terms, instructions, and requirements that apply to your exact situation before a consequential decision.
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Snapshot Scope = One Date + One Consistent Ownership BasisEnter gross asset values and related debt separately. Do not subtract a mortgage from real estate before also entering the mortgage, and do not repeat an account in more than one category.
Total Assets = Cash + Taxable Investments + Retirement + Real Estate + Other AssetsThe calculator sums entered liabilities and subtracts them from entered assets. A signed result describes only this snapshot; it does not establish financial resilience or access to funds.
Net Worth Snapshot = Total Assets - Total LiabilitiesUpdated: August 2026
A household uses current statements and one property valuation basis without netting related debt inside the asset values.
→ Net-worth snapshot: +$270,000 for the chosen date and ownership scope
An individual records $20,000 of assets and $35,000 of current liabilities.
→ Net-worth snapshot: -$15,000; no financial-health conclusion is assigned
A user has jointly owned property and individually owned accounts and debts.
→ Enter consistently apportioned or included values; do not mix scopes or double count
Investor.gov defines a net-worth statement as what you own minus what you owe. This tool keeps cash, taxable investments, retirement accounts, real estate, other assets, secured debt, unsecured debt, and other liabilities separate so the arithmetic is auditable. Use one valuation date and ownership scope; the result is not an appraisal, liquidity measure, credit score, tax basis, estate value, or financial-health judgment.