What the math assumes
Use balances from the same date so the comparison is meaningful.
Household balance sheet
Net-Worth Calculator
Create a simple snapshot of what you own, what you owe, and the change from a prior snapshot.
Private by design: your entries stay in your browser and are not submitted to MoneyPathTools.
1
Enter a scenario
Example values are included and clearly labeled. Replace them with your own current figures.
Understand the estimate
Assumptions and limits
Change one input at a time, record the assumption, and compare several scenarios.
What the result leaves out
Use reasonable current values for assets; avoid overstating items that would be costly or difficult to sell.
A useful next step
A negative result is a snapshot, not a judgment. Tracking the trend can be more useful than comparing households.
Frequently asked questions
Should income appear here?
No. Net worth is a point-in-time balance sheet, not a measure of monthly cash flow.
Do I include my home?
You may include a reasonable value and list the mortgage separately. Keep the method consistent between reviews.
How often should I update it?
Monthly or quarterly is usually enough for a planning routine; consistency matters more than frequency.
Official sources and important limits
This calculator provides educational estimates only. It is not financial, tax, legal, credit, real-estate, or investment advice.
Keep this connected to the household plan.
The free Money Reset Starter Kit starts with paychecks, upcoming bills, savings, and debt.