{"success":true,"version":"v1","request":{"tool":"get_calculator_schema","calculator_id":"net-worth"},"result":{"entity_type":"calculator","id":"net-worth","calculator_id":"net-worth","canonical_url":"https://tttkmbb.com/finance/net-worth","name":"Net Worth Calculator","title":"Net Worth Calculator – Total Assets, Total Liabilities, Net Worth and Liquid Net Worth","category":"finance","category_name":"Finance","tool_name":"calculate_net_worth","featured_mcp_tool":false,"description":"Adds up assets (cash, investments, retirement accounts, real estate, vehicles, other) and liabilities (mortgage, student, car and credit-card debt, other) to give net worth, liquid net worth and the debt-to-asset ratio.","use_when":"You want a personal balance sheet: what is owned minus what is owed, how much of it is liquid, and how leveraged the household is.","do_not_use_when":"You need monthly cash-flow ratios such as debt-to-income (use debt-to-income), or valuations of the assets themselves. Informational; not financial advice.","inputs":[{"name":"cash_and_savings","label":"Cash and savings","type":"number","required":false,"default":0,"min":0,"max":1000000000000,"description":"Checking, savings and money-market balances.","example":20000},{"name":"investments","label":"Investments","type":"number","required":false,"default":0,"min":0,"max":1000000000000,"description":"Brokerage accounts, funds, bonds and crypto at current market value (outside retirement accounts).","example":80000},{"name":"retirement_accounts","label":"Retirement accounts","type":"number","required":false,"default":0,"min":0,"max":1000000000000,"description":"401(k), IRA, pension or superannuation balances.","example":100000},{"name":"real_estate","label":"Real estate","type":"number","required":false,"default":0,"min":0,"max":1000000000000,"description":"Market value of homes and land owned (gross, before the mortgage).","example":150000},{"name":"vehicles","label":"Vehicles","type":"number","required":false,"default":0,"min":0,"max":1000000000000,"description":"Resale value of cars, boats and other vehicles.","example":0},{"name":"other_assets","label":"Other assets","type":"number","required":false,"default":0,"min":0,"max":1000000000000,"description":"Business equity, valuables, money owed to you.","example":0},{"name":"mortgage_balance","label":"Mortgage balance","type":"number","required":false,"default":0,"min":0,"max":1000000000000,"description":"Outstanding principal on home loans.","example":180000},{"name":"student_loans","label":"Student loans","type":"number","required":false,"default":0,"min":0,"max":1000000000000,"description":"Outstanding student-loan balance.","example":0},{"name":"car_loans","label":"Car loans","type":"number","required":false,"default":0,"min":0,"max":1000000000000,"description":"Outstanding vehicle-loan balance.","example":20000},{"name":"credit_card_debt","label":"Credit card debt","type":"number","required":false,"default":0,"min":0,"max":1000000000000,"description":"Revolving balances carried on cards.","example":0},{"name":"other_debts","label":"Other debts","type":"number","required":false,"default":0,"min":0,"max":1000000000000,"description":"Personal loans, medical debt, taxes owed, money owed to others.","example":0}],"outputs":[{"name":"total_assets","label":"Total assets","type":"number","decimals":2,"description":"Sum of all asset inputs."},{"name":"total_liabilities","label":"Total liabilities","type":"number","decimals":2,"description":"Sum of all debt inputs."},{"name":"net_worth","label":"Net worth","type":"number","decimals":2,"description":"total_assets − total_liabilities (negative when debts exceed assets)."},{"name":"liquid_net_worth","label":"Liquid net worth","type":"number","decimals":2,"description":"cash_and_savings + investments − credit_card_debt − other_debts: what could be raised quickly without selling property or tapping retirement accounts."},{"name":"debt_to_asset_ratio_percent","label":"Debt-to-asset ratio","type":"number","unit":"%","decimals":2,"description":"total_liabilities / total_assets × 100 (absent when there are no assets)."},{"name":"breakdown","label":"Breakdown","type":"list","decimals":2,"description":"Non-zero items as rows {item, amount, type} with type \"asset\" or \"liability\"."},{"name":"summary","label":"Summary","type":"string","decimals":4,"description":"Plain-language statement of the balance sheet."}],"input_schema":{"type":"object","properties":{"cash_and_savings":{"description":"Checking, savings and money-market balances.","type":"number","minimum":0,"maximum":1000000000000,"default":0,"examples":[20000]},"investments":{"description":"Brokerage accounts, funds, bonds and crypto at current market value (outside retirement accounts).","type":"number","minimum":0,"maximum":1000000000000,"default":0,"examples":[80000]},"retirement_accounts":{"description":"401(k), IRA, pension or superannuation balances.","type":"number","minimum":0,"maximum":1000000000000,"default":0,"examples":[100000]},"real_estate":{"description":"Market value of homes and land owned (gross, before the mortgage).","type":"number","minimum":0,"maximum":1000000000000,"default":0,"examples":[150000]},"vehicles":{"description":"Resale value of cars, boats and other vehicles.","type":"number","minimum":0,"maximum":1000000000000,"default":0,"examples":[0]},"other_assets":{"description":"Business equity, valuables, money owed to you.","type":"number","minimum":0,"maximum":1000000000000,"default":0,"examples":[0]},"mortgage_balance":{"description":"Outstanding principal on home loans.","type":"number","minimum":0,"maximum":1000000000000,"default":0,"examples":[180000]},"student_loans":{"description":"Outstanding student-loan balance.","type":"number","minimum":0,"maximum":1000000000000,"default":0,"examples":[0]},"car_loans":{"description":"Outstanding vehicle-loan balance.","type":"number","minimum":0,"maximum":1000000000000,"default":0,"examples":[20000]},"credit_card_debt":{"description":"Revolving balances carried on cards.","type":"number","minimum":0,"maximum":1000000000000,"default":0,"examples":[0]},"other_debts":{"description":"Personal loans, medical debt, taxes owed, money owed to others.","type":"number","minimum":0,"maximum":1000000000000,"default":0,"examples":[0]}},"additionalProperties":false},"output_schema":{"type":"object","properties":{"total_assets":{"description":"Sum of all asset inputs.","type":"number"},"total_liabilities":{"description":"Sum of all debt inputs.","type":"number"},"net_worth":{"description":"total_assets − total_liabilities (negative when debts exceed assets).","type":"number"},"liquid_net_worth":{"description":"cash_and_savings + investments − credit_card_debt − other_debts: what could be raised quickly without selling property or tapping retirement accounts.","type":"number"},"debt_to_asset_ratio_percent":{"description":"total_liabilities / total_assets × 100 (absent when there are no assets). Unit: %.","type":"number","x-unit":"%"},"breakdown":{"description":"Non-zero items as rows {item, amount, type} with type \"asset\" or \"liability\".","type":"array"},"summary":{"description":"Plain-language statement of the balance sheet.","type":"string"}}},"formula":"total_assets = cash_and_savings + investments + retirement_accounts + real_estate + vehicles + other_assets; total_liabilities = mortgage_balance + student_loans + car_loans + credit_card_debt + other_debts; net_worth = total_assets − total_liabilities; liquid_net_worth = cash_and_savings + investments − credit_card_debt − other_debts; debt_to_asset_ratio = total_liabilities / total_assets × 100","method":"Simple balance-sheet arithmetic at the values entered; assets are counted gross with the related loans as liabilities, so a home with a mortgage contributes its full value and its full loan balance. Liquid net worth follows the common definition of excluding property, vehicles and retirement accounts while subtracting unsecured short-term debt.","sources":[{"name":"Wikipedia – Net worth","url":"https://en.wikipedia.org/wiki/Net_worth","type":"reference","retrieved_at":"2026-09-24"},{"name":"Investopedia – Net Worth: What It Is and How to Calculate It","url":"https://www.investopedia.com/terms/n/networth.asp","type":"reference","retrieved_at":"2026-09-24"}],"freshness":{"type":"static","max_age_seconds":null,"note":"Deterministic formula with fixed constants; results never go stale. Inputs supplied by the caller determine the output."},"examples":[{"name":"Cash 20,000, investments 80,000, retirement 100,000, home 150,000; mortgage 180,000, car loan 20,000","inputs":{"cash_and_savings":20000,"investments":80000,"retirement_accounts":100000,"real_estate":150000,"mortgage_balance":180000,"car_loans":20000},"expected":{"total_assets":350000,"total_liabilities":200000,"net_worth":150000,"liquid_net_worth":100000,"debt_to_asset_ratio_percent":57.14},"url":"https://tttkmbb.com/api/v1/calculate/net-worth?cash_and_savings=20000&investments=80000&retirement_accounts=100000&real_estate=150000&mortgage_balance=180000&car_loans=20000"},{"name":"Cash 5,000, investments 12,000, car 15,000; student loans 40,000, cards 6,000, car loan 10,000","inputs":{"cash_and_savings":5000,"investments":12000,"vehicles":15000,"student_loans":40000,"credit_card_debt":6000,"car_loans":10000},"expected":{"total_assets":32000,"total_liabilities":56000,"net_worth":-24000,"liquid_net_worth":11000,"debt_to_asset_ratio_percent":175},"url":"https://tttkmbb.com/api/v1/calculate/net-worth?cash_and_savings=5000&investments=12000&vehicles=15000&student_loans=40000&credit_card_debt=6000&car_loans=10000"}],"faq":[{"q":"Should I include my home and mortgage?","a":"Yes, both: the home's market value as an asset and the mortgage principal as a liability. Net worth then contains the home equity; liquid net worth excludes it."},{"q":"Why exclude retirement accounts from liquid net worth?","a":"They usually cannot be withdrawn without penalties, taxes or preservation rules, so they are not available for short-term needs even though they count in total net worth."},{"q":"Is a negative net worth unusual?","a":"It is common early in a career, e.g. student loans exceeding savings; the ratio and trend over time matter more than a single snapshot."}],"tags":["net worth calculator","net worth","assets and liabilities","liquid net worth","personal balance sheet","debt to asset ratio"],"related":[{"calculator_id":"debt-to-income","reason":"Monthly debt payments as a share of income, the cash-flow counterpart."},{"calculator_id":"debt-payoff","reason":"Time to clear a balance that drags net worth down."},{"calculator_id":"retirement-savings","reason":"Project the retirement accounts forward."}],"links":{"html":"https://tttkmbb.com/finance/net-worth","markdown":"https://tttkmbb.com/finance/net-worth.md","json":"https://tttkmbb.com/finance/net-worth.json","api":"https://tttkmbb.com/api/v1/calculate/net-worth","schema":"https://tttkmbb.com/api/v1/calculators/net-worth","openapi":"https://tttkmbb.com/openapi.json","mcp":"https://tttkmbb.com/mcp"},"version":"v1","updated_at":"2026-09-24"},"timestamp":"2026-09-24T03:44:26Z"}