This calculator was designed to help you to take a “picture” of your current financial condition Whereas an income and expense statement shows you your financial picture for a period of time (month, year, etc.), this Net Worth Calculator will show you your financial picture at a single point in time (a specific date). That way, if you compute your Net Worth now, and then again 3 months from now, you will be able to tell whether your financial picture is improving or getting worse.

Starting at the top and working your way down, complete and calculate the totals for each of the six sections. Be sure to click on each section’s “Compute…” button before going on to the next section. Once you’ve computed the entire worksheet, including the Summary Assets & Liabilities, click on the “Create Report” button at the bottom of the worksheet. This will create a condensed report in a new window that you can print-out and compare to your other Net Worth Reports.

Cash Assets
Example Accounts Asset Description Market Value
Cash on HandChecking accountsSavings accountsMoney market accounts Money market fund accounts Certificates of deposit U.S. Treasury bills Cash value of life insurance
InstructionsCash AssetsInvestment AssetsRetirement Assets Personal Assets Unsecured Liabilities Secured Liabilites Totals
Total Cash Assets:
Investment Assets
Example Accounts Asset Description Market Value
StocksBondsMutual Fund InvestmentsPartnership Interests Other Investments
InstructionsCash AssetsInvestment AssetsRetirement Assets Personal Assets Unsecured Liabilities Secured Liabilites Totals
Total Investment Assets:
Retirement Assets
Example Accounts Asset Description Market Value
PensionIRA AccountsKEOGH Accounts401K SEP ESOP
InstructionsCash AssetsInvestment AssetsRetirement Assets Personal Assets Unsecured Liabilities Secured Liabilites Totals
Total Retirement Assets:
Personal Assets
Example Accounts Asset Description Market Value
Principal ResidenceSecond ResidenceCollectiblesAutomobiles Home Furnishings Furs & Jewelry Other Assets
InstructionsCash AssetsInvestment AssetsRetirement Assets Personal Assets Unsecured Liabilities Secured Liabilites Totals
Total Personal Assets:
Unsecured Liabilities
Example Accounts Asset Description Market Value
Credit CardsCharge AccountsStudent LoansAlimony Child Support Tax Liability Other
InstructionsCash AssetsInvestment AssetsRetirement Assets Personal Assets Unsecured Liabilities Secured Liabilites Totals
Total Unsecured Liabilities:
Secured Liabilities
Example Accounts Asset Description Market Value
Auto LoansRec. Vehicle LoansAppliance LoansHome Mortgages Home Equity Loans Other Loans Tax Liability Other
InstructionsCash AssetsInvestment AssetsRetirement Assets Personal Assets Unsecured Liabilities Secured Liabilites Totals
Total Secured Liabilities:
Summary of Assets & Liabilites
Category Assets Liabilities
Cash Assets
Investment Assets
Retirement Assets
Personal Assets
Unsecured Liabilities
Secured Liabilities
Totals
Net Worth

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