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Net Worth Calculator: Add Up Your Assets, Subtract Your Debts, Know Your Number

Ocuco Nettoverdikalkulator gives you a fast snapshot of financial health by totaling everything you own (assets) and subtracting everything you owe (liabilities). Use it to track progress, set goals, and make smarter money decisions.

1) Hva kalkulatoren gjør

This tool adds up asset categories (cash, investments, real estate, vehicles, valuables, etc.) and subtracts liability categories (mortgages, credit cards, loans, other debt) to compute Totale eiendeler, total gjeld, and your resulting nettoformue. The output updates instantly as you enter values.

2) Innganger

Input Tekniske beskrivelser
eiendom Estimated current market value of your home and any other properties or land.
Kontrollere kontoer Total cash across all checking/current accounts.
Sparingskontoer Total cash across all savings accounts, money markets, and HISA equivalents.
Pensjonskontoer Balances in 401(k)/403(b)/IRA/RRSP/TFSA/LIRA and similar retirement accounts.
Cars (and Vehicles) Resale value of cars, motorcycles, boats, RVs, etc.
Andre eiendeler Stocks, bonds, crypto, business equity, collectibles, jewelry, and other valuables.
Eiendomslån Outstanding mortgage balances and other property-secured loans.
Kredittkortgjeld Current total revolving credit card balances (not just the minimum payment).
Personlige lån Unsecured loans, lines of credit, or loans from family/friends.
Studielån Total outstanding education loan balances.
Billån Outstanding balances on vehicle loans or leases (buyout equivalent if applicable).
Annen gjeld Medical, business, tax, or any other liabilities not listed above.

3) Hvordan det fungerer (formel)

The calculator follows a simple identity:

Net Worth = Total Assets − Total Liabilities

  • Total Assets = sum of all asset categories you entered.
  • Total Liabilities = sum of all debt categories you entered.

If liabilities exceed assets, your net worth will be negative. That’s a useful baseline for building a payoff/savings plan.

4) Utganger

Produksjon Hva det betyr
Totale eiendeler The combined value of everything you own.
Sum forpliktelser The combined amount you owe across all debts.
Net Worth Your assets minus your liabilities — the core indicator of financial position.

5) Praktiske brukstilfeller

  • Fremdriftssporing: Recalculate monthly or quarterly to visualize growth.
  • Debt strategy: Prioritize high-interest balances to improve net worth faster.
  • Målsetting: Align saving/investing targets with a desired net-worth milestone.
  • Porteføljerebalansering: Ensure asset mix supports both liquidity and long-term growth.
  • Planning life events: Gauge readiness for home purchases, education funding, or retirement.

6) Vanlige spørsmål

Should I use purchase price or current market value for assets?
Use a reasonable nåværende markedsverdi. Update estimates periodically to keep your snapshot realistic.
Do I include retirement accounts even if they’re tax-deferred?
Yes. Enter the full balance. Taxes are realized only when funds are withdrawn and don’t change today’s balance.
What about cars and other depreciating items?
Include their estimated resale value. Depreciation will naturally flow through each time you update values.
How often should I update my net worth?
Monthly or quarterly works well. Use the same cadence so trends are easy to spot.
My net worth is negative — what should I do?
Focus on high-interest debt first, automate savings, and look for ways to raise income. Tracking regularly is step one.
Do I include joint assets and debts?
Yes. If you’re calculating a husholdning net worth, include joint items. For an individuelt view, include only your share.

Prøv kalkulatoren

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