Track total assets minus liabilities and real estate impact
For investors measuring wealth: total net worth, real estate contribution, equity build over time, and portfolio allocation.
Net Worth Calculator
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Create Free AccountWhat it does
The Net Worth Calculator tracks total assets minus total liabilities to measure real estate contribution to overall net worth. Input all properties, mortgages, and other assets/liabilities to see your net worth position and how real estate compares to other asset classes.
Net worth isolates real estate's role in wealth building by distinguishing between gross real estate holdings and debt obligations against them. Tracking net worth reveals which properties drive wealth versus which are dragging it down despite positive cash flow.
Who it's for
- Wealth builders tracking net worth trends and real estate's contribution to financial position
- Financial advisors calculating net worth for comprehensive wealth planning
- Estate planners assessing asset bases and distribution strategies for heirs
- High-net-worth individuals understanding real estate's role in diversified portfolios
How it works
List all assets
Cash, investments, retirement accounts, vehicles, real estate (current value).
List all liabilities
Mortgages, car loans, credit card debt, personal loans.
Calculate net worth
Total assets minus total liabilities.
Why it matters
Calculate total net worth across all assets and liabilities
Isolate real estate contribution to total net worth
Track equity build from multiple properties
Monitor portfolio progress annually
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Full access to Net Worth Calculator, 66 other calculators, live FRED rates, AI deal verdicts, conservative/base/optimistic scenario projections, printable reports, and vault storage.
Investor Starter
No credit card — ever
- 1 calculator per day (Quick Reference)
- 50 glossary definitions per day
- 5 template previews
- Market Insights (read-only)
- Limited investor games (1 game)
- +3 more features
Core Investor
7-day free trial included
- 67 Professional Calculators — Unlimited
- 1/2/5/10-Year Scenario Projections
- Save & Print Reports to Vault
- 210+ Templates & Contracts
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- +7 more features
Pro Investor
7-day free trial included
- Everything in Core Investor
- Full Investor CRM — Included
- AI Deal Analyzer & Listing Analyzer
- AI Underwriting & Property Analysis
- AI Rehab Estimator & Rent Analyzer
- +7 more features
What every calculator includes
67 Calculators
Every investment strategy — rental, flip, BRRRR, mortgage, commercial, wealth building.
Scenario Projections
Conservative, base, and optimistic 1/2/5/10-year return modeling.
AI Deal Verdict
Claude-powered analysis — strengths, risks, and actionable recommendations.
Investor Vault
Save unlimited reports. Revisit, compare, and track every deal you've analyzed.
Print-Ready Reports
Professional PDF reports to share with agents, lenders, and partners.
Address Auto-Fill
Enter a property address to pre-fill value, rent, and tax data automatically.
Live FRED Rates
Mortgage rate fields pre-populate with Federal Reserve interest rate data.
Investment-Grade Math
Every formula audited against professional underwriting standards.
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Frequently asked questions
Should I include retirement accounts in net worth?
Yes — include 401k, IRA, pension at current value. That's your actual wealth even if illiquid.
How do I value real estate on my net worth?
Current market value (appraisal or estimate) minus mortgage balance = equity. Only count equity, not gross value.
Should I update net worth annually?
Yes — minimum. Quarterly is better for tracking progress. See how property appreciation and equity paydown grow wealth.
What's a healthy real estate percentage of net worth?
30–60% is common for real estate investors. Diversify: don't put 90%+ in real estate; balance with stocks, bonds.
Is this calculator free to use?
Yes — create a free Investor Starter account to run 1 calculator per day. No credit card required. Upgrade to Core ($49/mo) for unlimited access to all 67 calculators.
How accurate are the results?
Results are only as accurate as your inputs. The formulas use industry-standard real estate investment math. Always verify with a licensed professional before committing capital.
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