# Net Worth Calculator Calculate your net worth from a list of assets and liabilities (Net Worth = Total Assets − Total Liabilities). Enter items one per line as 'label, amount'. Shows a per-line breakdown, a share-of-total donut chart, and a financial health rating. > Canonical page: https://elysiatools.com/en/tools/net-worth-calculator - **Category:** Finance - **Keywords:** net worth, assets, liabilities, balance sheet, wealth, personal finance, finance ## Overview The Net Worth Calculator helps you determine your overall financial standing by subtracting your total liabilities from your total assets. By entering your financial items line-by-line, you get an instant breakdown of your wealth, a share-of-total donut chart representing your asset and liability distribution, and a financial health rating to guide your personal finance planning. ## Inputs - **Assets (one per line: label, amount)** (textarea): e.g. House, 350000 Retirement account, 120000 Savings, 25000 Car, 18000 - **Liabilities (one per line: label, amount)** (textarea): e.g. Mortgage, 200000 Car loan, 12000 Credit card, 3500 - **Decimal Places** (number) ## When to use - When conducting a periodic personal financial review to track your overall wealth growth over time. - Before applying for major loans or mortgages to understand your debt-to-asset ratio and financial health. - When planning long-term retirement goals and needing a clear snapshot of your current net worth. ## How it works - Enter your assets in the Assets field, listing each item and its value on a new line separated by a comma. - Enter your liabilities in the Liabilities field, listing each debt and its value on a new line separated by a comma. - Adjust the decimal places configuration if needed, then run the calculator to generate your net worth, breakdown, donut chart, and financial health rating. ## Use cases - Creating a personal balance sheet for annual or quarterly wealth tracking. - Evaluating debt levels relative to owned assets to plan a debt payoff strategy. - Assessing financial readiness for major life events like purchasing a home or retiring. ## Frequently asked questions ### How should I format the assets and liabilities inputs? Enter each item on a new line as 'label, amount', for example: 'Savings, 25000'. Do not include currency symbols. ### What formula does this calculator use to determine net worth? It uses the standard financial formula: Net Worth = Total Assets − Total Liabilities. ### Can I customize the decimal precision of the calculation? Yes, you can adjust the decimal places option to display values with up to 6 decimal points. ### What visual outputs does the calculator provide? It generates a per-line breakdown of your items, a share-of-total donut chart, and a financial health rating. ### Are my financial data saved or sent to a server? No, your financial inputs are processed locally in your browser to ensure privacy and security. ## Related tools - [APR Calculator](https://elysiatools.com/en/tools/apr-calculator): Calculate the true Annual Percentage Rate (APR) of a loan when upfront fees are involved. 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