# Net Worth Calculator

> 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.

- Calculator id: `net-worth` · Category: Finance (`finance`) · Tool name: `calculate_net_worth`
- Canonical page: https://tttkmbb.com/finance/net-worth · This document: https://tttkmbb.com/finance/net-worth.md · JSON definition: https://tttkmbb.com/finance/net-worth.json

## Purpose

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.

## Input

| Parameter | Type | Unit | Required | Description |
| --- | --- | --- | --- | --- |
| `cash_and_savings` | number |  | optional, default 0 | Checking, savings and money-market balances. (min 0, max 1000000000000) |
| `investments` | number |  | optional, default 0 | Brokerage accounts, funds, bonds and crypto at current market value (outside retirement accounts). (min 0, max 1000000000000) |
| `retirement_accounts` | number |  | optional, default 0 | 401(k), IRA, pension or superannuation balances. (min 0, max 1000000000000) |
| `real_estate` | number |  | optional, default 0 | Market value of homes and land owned (gross, before the mortgage). (min 0, max 1000000000000) |
| `vehicles` | number |  | optional, default 0 | Resale value of cars, boats and other vehicles. (min 0, max 1000000000000) |
| `other_assets` | number |  | optional, default 0 | Business equity, valuables, money owed to you. (min 0, max 1000000000000) |
| `mortgage_balance` | number |  | optional, default 0 | Outstanding principal on home loans. (min 0, max 1000000000000) |
| `student_loans` | number |  | optional, default 0 | Outstanding student-loan balance. (min 0, max 1000000000000) |
| `car_loans` | number |  | optional, default 0 | Outstanding vehicle-loan balance. (min 0, max 1000000000000) |
| `credit_card_debt` | number |  | optional, default 0 | Revolving balances carried on cards. (min 0, max 1000000000000) |
| `other_debts` | number |  | optional, default 0 | Personal loans, medical debt, taxes owed, money owed to others. (min 0, max 1000000000000) |

## Output

| Field | Type | Unit | Description |
| --- | --- | --- | --- |
| `total_assets` | number |  | Sum of all asset inputs. |
| `total_liabilities` | number |  | Sum of all debt inputs. |
| `net_worth` | number |  | total_assets − total_liabilities (negative when debts exceed assets). |
| `liquid_net_worth` | number |  | cash_and_savings + investments − credit_card_debt − other_debts: what could be raised quickly without selling property or tapping retirement accounts. |
| `debt_to_asset_ratio_percent` | number | % | total_liabilities / total_assets × 100 (absent when there are no assets). |
| `breakdown` | list |  | Non-zero items as rows {item, amount, type} with type "asset" or "liability". |
| `summary` | string |  | Plain-language statement of the balance sheet. |

## 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`

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.

## Data Sources

- Wikipedia – Net worth — https://en.wikipedia.org/wiki/Net_worth (reference, retrieved 2026-09-24)
- Investopedia – Net Worth: What It Is and How to Calculate It — https://www.investopedia.com/terms/n/networth.asp (reference, retrieved 2026-09-24)

Data freshness: `static`. Deterministic formula with fixed constants; results never go stale. Inputs supplied by the caller determine the output.

## API

- `GET https://tttkmbb.com/api/v1/calculate/net-worth?`
- `POST https://tttkmbb.com/api/v1/calculate/net-worth` with JSON body `{"inputs": {…}}`
- Response: unified envelope (`success`, `request`, `result.values`, `result.units`, `sources`, `freshness`, `timestamp`, `next_actions`, `links`); see https://tttkmbb.com/docs/response-format.md
- Schema: https://tttkmbb.com/api/v1/calculators/net-worth · OpenAPI operationId `calculate_net_worth` in https://tttkmbb.com/openapi.json
- Authentication: none. Rate limit: fair use, see https://tttkmbb.com/docs/rate-limits.md.

## MCP

- Server: `https://tttkmbb.com/mcp` (Streamable HTTP, JSON-RPC 2.0, no auth)
- Tool:  `run_calculator` with `{"calculator_id": "net-worth", "inputs": {…}}`

## Example

- 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}` → `{"total_assets":350000,"total_liabilities":200000,"net_worth":150000,"liquid_net_worth":100000,"debt_to_asset_ratio_percent":57.14}`
- 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}` → `{"total_assets":32000,"total_liabilities":56000,"net_worth":-24000,"liquid_net_worth":11000,"debt_to_asset_ratio_percent":175}`

```
GET 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
```

## Limitations

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. 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. All values are computed from the formula above; no measurement or live data is involved.

## FAQ

**Should I include my home and mortgage?**

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.

**Why exclude retirement accounts from liquid net worth?**

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.

**Is a negative net worth unusual?**

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.

## Related

- [Debt-to-Income Ratio Calculator](https://tttkmbb.com/finance/debt-to-income.md) — Monthly debt payments as a share of income, the cash-flow counterpart.
- [Debt Payoff Calculator](https://tttkmbb.com/finance/debt-payoff.md) — Time to clear a balance that drags net worth down.
- [Retirement Savings Calculator](https://tttkmbb.com/finance/retirement-savings.md) — Project the retirement accounts forward.