Liquid net worth calculator.

Compare accessible assets minus all debt with your total net worth.

Currency

No conversion.

USD — US Dollar

What should I include?

Choose your liquid set first: cash available now, or cash plus investments you can sell within a stated period. Check withdrawal restrictions, settlement time, sale costs, penalties, and uncertain prices. A listed investment or fixed deposit is not automatically spendable cash.

Put excluded assets, such as property, restricted retirement savings, vehicles, or business interests, in Other assets. Split an account between the two asset fields if only part meets your rule. Use current ownership values before separate debt, not future income or unused credit limits. Count each balance once.

Include all outstanding debts, even when the associated asset is outside your liquid set. Keep a note of your access rule and exclusions in your own worksheet.

Your balances One date, one currency

Eligible liquid assets

Cash and saleable investments that meet your access rule.

Other assets

Property and other assets outside your liquid set.

All outstanding debts

Include all debts, including mortgages. Use balances, not payments.

Blank fields are omitted. Enter 0 for a confirmed zero.

Liquid net worth

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Total net worth

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Enter balances to see both results.

Show calculation

Eligible liquid assets: —
Total assets, including other assets: —
All outstanding debts: —

Liquid net worth = eligible liquid assets − all debts. Total net worth = all assets − all debts.

All debts are subtracted. A negative liquid result does not mean every debt is due now.

About this calculation

Method and limits

Liquid net worth = eligible liquid assets − all outstanding debts. Total net worth adds your other assets before subtracting the same debts. This tool uses the all-debts convention; it is not a short-term cash-flow or emergency-fund calculation.

Use current gross asset values and outstanding debt separately. Do not enter home equity and then subtract the mortgage again. Count an account total or its underlying holdings, not both. The tool does not estimate tax, forced-sale discounts, future returns, or withdrawal proceeds.

Each field accepts up to 1,000,000,000,000 and three decimal places. Use plain digits or comma groups such as 100,000 or 1,00,000. Calculations retain thousandths; currency display can round them. Missing fields are omitted. Check all three fields for a complete record. This is an educational balance-sheet calculation, not a statement that you should sell assets or repay loans.

A worked example

With $50,000 in eligible liquid assets, $400,000 in other assets, and $180,000 in debts, total net worth is $270,000. Liquid net worth is −$130,000. The same debt is subtracted in both views; only the asset set changes. These synthetic USD figures do not fill the calculator or change when you choose another currency.

Data and privacy

No account or bank connection is required. Calculations run in this browser. Financial inputs are not uploaded, included in URLs, or sent to analytics. They are not saved or imported to your journal. Clear the form or close the tab when you finish on a shared device. Hosting and page analytics still receive technical request data; see Data & privacy.