Net Worth Calculator
This calculator computes your current net worth by summing commonly reported asset categories and subtracting liabilities. It also projects future net worth using a nominal expected return and optional inflation adjustment.
Use the Current Net Worth method to get a snapshot today. Use the Projected Net Worth method to model outcomes from expected returns and annual contributions. Results are estimates for planning and should not be interpreted as investment advice.
Governance
Record c1351e0ec754 • Reviewed by Fidamen Standards Committee
Sum asset categories, subtract liabilities to compute current net worth.
Inputs
Results
Net worth (today)
$23,500.00
Total assets
$29,000.00
Total liabilities
$5,500.00
| Output | Value | Unit |
|---|---|---|
| Net worth (today) | $23,500.00 | USD |
| Total assets | $29,000.00 | USD |
| Total liabilities | $5,500.00 | USD |
Visualization
Methodology
Current net worth is calculated as total assets minus total liabilities. Asset and liability categories are additive and rely on user-provided market values or balances.
Projected net worth uses the standard future value formula for a lump sum plus an annuity: FV = PV*(1+r)^n + PMT*(((1+r)^n - 1)/r). Where PV is starting net worth, r is the expected annual nominal return, PMT is annual contribution, and n is years. An inflation-adjusted (real) figure divides nominal FV by (1+inflation)^n.
Accuracy, security, and numerical stability are important. Data handling and protective measures referenced follow guidance from authoritative standards: NIST for cybersecurity controls, ISO for financial planning standards, and IEEE for numerical/formatting best practices. Results are subject to rounding, precision limits, and the quality of inputs provided by the user.
Worked examples
Example: If your starting net worth is $50,000, expected annual return is 5% (0.05), you contribute $5,000 per year, and project 10 years: nominal FV ≈ 50,000*(1.05)^10 + 5,000*(((1.05)^10 − 1) / 0.05).
Inflation adjustment: With 2% inflation, divide the nominal future value by (1.02)^10 to estimate purchasing-power adjusted net worth.
F.A.Q.
How accurate are the projections?
Projections are mathematical estimates based on the inputs you provide. They assume constant annual returns and contributions and do not model year-to-year volatility, taxes, fees, or changes in contribution levels. Use results for planning, not precise forecasting.
Do you account for taxes, fees, or market volatility?
No. This tool uses deterministic formulas (constant return assumption). To include taxes, fees, or stochastic returns, use a dedicated financial planning tool or consult a licensed planner.
What if expected annual return is zero?
When expected annual return (r) equals zero, the annuity term simplifies to PMT * n and the lump-sum grows linearly. The tool uses the algebraic formula noted; if r is zero, use the alternative linear calculation.
How is my data protected?
Recommendations and citations for secure data handling follow NIST cybersecurity guidance and ISO best practices. Do not enter sensitive credentials into calculators. For production integrations, use industry-standard encryption, access controls, and logging consistent with NIST and ISO recommendations.
Why is there a difference between nominal and inflation-adjusted results?
Nominal results show the raw future dollar amount assuming the stated nominal return. Inflation-adjusted results convert nominal future value into today's purchasing power by discounting using the inflation rate you provide.
Sources & citations
- NIST Cybersecurity Framework — https://www.nist.gov/cyberframework
- ISO 22222 — Personal financial planning — https://www.iso.org/standard/43538.html
- IEEE Standard for Floating-Point Arithmetic (reference) — https://standards.ieee.org/standard/754-2019.html
- Occupational Safety and Health Administration (OSHA) — general guidance — https://www.osha.gov
- CFPB — Consumer Financial Protection Bureau — https://www.consumerfinance.gov/
- Federal Reserve — Consumer Credit — https://www.federalreserve.gov/releases/g19/current/
- IRS Publication 17 — Your Federal Income Tax — https://www.irs.gov/publications/p17
Further resources
Versioning & Change Control
Audit record (versions, QA runs, reviewer sign-off, and evidence).
Record ID: c1351e0ec754What changed (latest)
v1.0.0 • 2025-11-28 • MINOR
Initial publication and governance baseline.
Why: Published with reviewed formulas, unit definitions, and UX controls.
Public QA status
PASS — golden 25 + edge 120
Last run: 2026-01-23 • Run: golden-edge-2026-01-23
Versioning & Change Control
Audit record (versions, QA runs, reviewer sign-off, and evidence).
What changed (latest)
v1.0.0 • 2025-11-28 • MINOR
Initial publication and governance baseline.
Why: Published with reviewed formulas, unit definitions, and UX controls.
Public QA status
PASS — golden 25 + edge 120
Last run: 2026-01-23 • Run: golden-edge-2026-01-23
Engine
v1.0.0
Data
Baseline (no external datasets)
Content
v1.0.0
UI
v1.0.0
Governance
Last updated: Nov 28, 2025
Reviewed by: Fidamen Standards Committee (Review board)
Credentials: Internal QA
Risk level: low
Reviewer profile (entity)
Fidamen Standards Committee
Review board
Internal QA
Entity ID: https://fidamen.com/reviewers/fidamen-standards-committee#person
Semantic versioning
- MAJOR: Calculation outputs can change for the same inputs (formula, rounding policy, assumptions).
- MINOR: New features or fields that do not change existing outputs for the same inputs.
- PATCH: Bug fixes, copy edits, or accessibility changes that do not change intended outputs except for previously incorrect cases.
Review protocol
- Verify formulas and unit definitions against primary standards or datasets.
- Run golden-case regression suite and edge-case suite.
- Record reviewer sign-off with credentials and scope.
- Document assumptions, limitations, and jurisdiction applicability.
Assumptions & limitations
- Uses exact unit definitions from the Fidamen conversion library.
- Internal calculations use double precision; display rounding follows the unit's configured decimal places.
- Not a substitute for calibrated instruments in regulated contexts.
- Jurisdiction-specific rules may require official guidance.
Change log
v1.0.0 • 2025-11-28 • MINOR
Initial publication and governance baseline.
Why: Published with reviewed formulas, unit definitions, and UX controls.
Areas: engine, content, ui • Reviewer: Fidamen Standards Committee • Entry ID: ac2cd57d7111