{"tool":{"slug":"net-worth","name":"Net worth calculator","version":"2026-08-22","canonicalUrl":"https://carlo.finance/tools/net-worth","jsonUrl":"https://carlo.finance/tools/net-worth.json","pageUrl":"https://carlo.finance/tools/net-worth","parameters":[{"key":"cash","label":"Cash and savings","unit":"usd","min":0,"max":100000000,"default":15000,"sourceId":null,"help":"Checking, savings, money market, and cash you hold. The default is an example balance sheet, not a statistic; replace it with your own."},{"key":"taxable","label":"Taxable investments","unit":"usd","min":0,"max":100000000,"default":25000,"sourceId":null,"help":"Brokerage accounts, individual shares, crypto: anything you could sell without a penalty. Enter the market value, before any tax on the gains. The default is an example balance sheet, not a statistic; replace it with your own."},{"key":"retirement","label":"Retirement accounts","unit":"usd","min":0,"max":100000000,"default":90000,"sourceId":null,"help":"401(k), 403(b), IRA, Roth IRA, HSA balances. Real money, but money with rules attached. The default is an example balance sheet, not a statistic; replace it with your own."},{"key":"home","label":"Home value","unit":"usd","min":0,"max":100000000,"default":420000,"sourceId":null,"help":"What your home would sell for today, not what you paid. This is an estimate no matter who makes it. The default is an example balance sheet, not a statistic; replace it with your own."},{"key":"vehicles","label":"Vehicles","unit":"usd","min":0,"max":100000000,"default":18000,"sourceId":null,"help":"Resale value of the cars, trucks, or bikes you own, not the price you paid. The default is an example balance sheet, not a statistic; replace it with your own."},{"key":"otherAssets","label":"Other assets","unit":"usd","min":0,"max":100000000,"default":0,"sourceId":null,"help":"Rental property, a business stake, collectibles, money someone owes you. Off by default, because most balance sheets do not have one."},{"key":"mortgage","label":"Mortgage balance","unit":"usd","min":0,"max":100000000,"default":285000,"sourceId":null,"help":"What you still owe on the home, from the statement, not the original loan amount. The default is an example balance sheet, not a statistic; replace it with your own."},{"key":"studentLoans","label":"Student loans","unit":"usd","min":0,"max":100000000,"default":22000,"sourceId":null,"help":"Federal and private balances together, including any capitalized interest. The default is an example balance sheet, not a statistic; replace it with your own."},{"key":"autoLoans","label":"Auto loans","unit":"usd","min":0,"max":100000000,"default":12000,"sourceId":null,"help":"Payoff balances on the vehicles above. A leased car is not yours, so leave both sides of it out. The default is an example balance sheet, not a statistic; replace it with your own."},{"key":"creditCards","label":"Credit card balances","unit":"usd","min":0,"max":100000000,"default":4000,"sourceId":null,"help":"What you owe today, including the part you plan to pay off this month. The default is an example balance sheet, not a statistic; replace it with your own."},{"key":"otherDebts","label":"Other debts","unit":"usd","min":0,"max":100000000,"default":0,"sourceId":null,"help":"Personal loans, medical debt, tax owed, money you borrowed from family. Off by default."}]},"inputs":{"cash":15000,"taxable":25000,"retirement":90000,"home":420000,"vehicles":18000,"otherAssets":0,"mortgage":285000,"studentLoans":22000,"autoLoans":12000,"creditCards":4000,"otherDebts":0},"result":{"totalAssets":568000,"totalLiabilities":323000,"netWorth":245000,"homeEquity":135000,"netWorthWithoutHome":110000,"homeEquityShare":0.551,"debtToAssets":0.5687,"reachable":40000,"reachableAfterCards":36000,"assets":[{"key":"cash","label":"Cash and savings","value":15000,"share":0.0264},{"key":"taxable","label":"Taxable investments","value":25000,"share":0.044},{"key":"retirement","label":"Retirement accounts","value":90000,"share":0.1585},{"key":"home","label":"Home value","value":420000,"share":0.7394},{"key":"vehicles","label":"Vehicles","value":18000,"share":0.0317},{"key":"otherAssets","label":"Other assets","value":0,"share":0}],"liabilities":[{"key":"mortgage","label":"Mortgage balance","value":285000,"share":0.8824},{"key":"studentLoans","label":"Student loans","value":22000,"share":0.0681},{"key":"autoLoans","label":"Auto loans","value":12000,"share":0.0372},{"key":"creditCards","label":"Credit card balances","value":4000,"share":0.0124},{"key":"otherDebts","label":"Other debts","value":0,"share":0}],"scale":568000,"solvent":true},"drivers":[{"key":"home","label":"Home value","delta":42000,"sentence":"A 10% move in home value, $420,000 today, moves net worth by $42,000."},{"key":"retirement","label":"Retirement accounts","delta":9000,"sentence":"A 10% move in retirement accounts, $90,000 today, moves net worth by $9,000."},{"key":"taxable","label":"Taxable investments","delta":2500,"sentence":"A 10% move in taxable investments, $25,000 today, moves net worth by $2,500."},{"key":"vehicles","label":"Vehicles","delta":1800,"sentence":"A 10% move in vehicles, $18,000 today, moves net worth by $1,800."},{"key":"pay-mortgage","label":"Paying down mortgage balance","delta":0,"sentence":"Putting $15,000 of cash against your mortgage balance leaves net worth at $245,000, exactly where it is now: both sides fall by the same amount. What that payment buys is the interest it stops, which this calculator does not model."}],"sensitivity":{"byHomeValue":[{"changePct":-20,"homeValue":336000,"homeEquity":51000,"netWorth":161000,"homeEquityShare":0.3168},{"changePct":-10,"homeValue":378000,"homeEquity":93000,"netWorth":203000,"homeEquityShare":0.4581},{"changePct":0,"homeValue":420000,"homeEquity":135000,"netWorth":245000,"homeEquityShare":0.551},{"changePct":10,"homeValue":462000,"homeEquity":177000,"netWorth":287000,"homeEquityShare":0.6167},{"changePct":20,"homeValue":504000,"homeEquity":219000,"netWorth":329000,"homeEquityShare":0.6657}],"byMarketMove":[{"changePct":-20,"investments":92000,"netWorth":222000},{"changePct":-10,"investments":103500,"netWorth":233500},{"changePct":0,"investments":115000,"netWorth":245000},{"changePct":10,"investments":126500,"netWorth":256500},{"changePct":20,"investments":138000,"netWorth":268000}]},"assumptions":[{"key":"cash","label":"Cash and savings","value":15000,"unit":"usd","provided":false,"source":null},{"key":"taxable","label":"Taxable investments","value":25000,"unit":"usd","provided":false,"source":null},{"key":"retirement","label":"Retirement accounts","value":90000,"unit":"usd","provided":false,"source":null},{"key":"home","label":"Home value","value":420000,"unit":"usd","provided":false,"source":null},{"key":"vehicles","label":"Vehicles","value":18000,"unit":"usd","provided":false,"source":null},{"key":"otherAssets","label":"Other assets","value":0,"unit":"usd","provided":false,"source":null},{"key":"mortgage","label":"Mortgage balance","value":285000,"unit":"usd","provided":false,"source":null},{"key":"studentLoans","label":"Student loans","value":22000,"unit":"usd","provided":false,"source":null},{"key":"autoLoans","label":"Auto loans","value":12000,"unit":"usd","provided":false,"source":null},{"key":"creditCards","label":"Credit card balances","value":4000,"unit":"usd","provided":false,"source":null},{"key":"otherDebts","label":"Other debts","value":0,"unit":"usd","provided":false,"source":null}],"sources":[],"warnings":[],"disclaimer":"This adds up the balances you enter on one day and subtracts the debts you enter against them. It is a snapshot, not a plan, and not financial advice. It does not tax the gains inside your investments, price what selling the home would cost, or rank the answer against anybody else's."}