Free personal balance-sheet tool
Net worth calculator
List the value of what you own and what you owe to get a clear snapshot of your personal net worth.
Personal balance sheet
Enter assets and liabilities
Assets
GEL 330,000.00Liabilities
GEL 138,000.00Your balance-sheet equation
Net worth is the difference between everything you own and everything you owe.
Total assets
GEL 330,000.00
Total liabilities
GEL 138,000.00
Net worth
GEL 192,000.00
How net worth is calculated
Net worth is the clearest single number for your financial position: everything you own minus everything you owe. Income shows how much money flows in each month; net worth shows what you have built up over time. Two people with the same salary can have very different net worth.
The calculator has separate fields for your assets (cash and savings, investments and deposits, real estate, and vehicles and other assets) and your liabilities (mortgages, personal and vehicle loans, credit-card balances and other debt). It adds up each side, subtracts total liabilities from total assets and also shows your debt-to-asset ratio: the share of what you own that is financed with debt.
Use current market values, not what you paid. For an apartment that is a realistic selling price today; for a car, what a buyer would actually pay. For loans, enter the outstanding balance, not the original amount you borrowed.
Net worth = Total assets − Total liabilities
Debt-to-asset ratio = Total liabilities ÷ Total assets × 100%. A negative net worth means you owe more than you own.
Example: a family with an apartment and a mortgage
Consider a household with an apartment worth 250,000 GEL, 20,000 GEL in deposits, a car worth 30,000 GEL and 15,000 GEL in investments. They owe 120,000 GEL on the mortgage, 10,000 GEL on a car loan and 2,000 GEL on a credit card.
- Total assets: 250,000 + 20,000 + 30,000 + 15,000 = 315,000 GEL.
- Total liabilities: 120,000 + 10,000 + 2,000 = 132,000 GEL.
- Net worth: 315,000 − 132,000 = 183,000 GEL.
- Debt-to-asset ratio: 132,000 ÷ 315,000 ≈ 41.9%.
Most of this family's wealth is in their home, and about 42% of what they own is still financed by debt. Each mortgage payment raises their net worth by the principal it repays, even though their monthly cash flow does not change.
How to read the result
- Track it over time. A single number is a snapshot; what matters is the direction. Recalculate monthly or quarterly and watch whether your net worth is growing.
- Separate what is liquid. Your home counts towards net worth, but you cannot spend it in an emergency. Keep an eye on how much of your wealth is in cash and deposits you can actually reach.
- Value everything in one currency. If you hold property priced in dollars and savings in lari, convert everything to one currency first so the total means something.
- Watch the debt-to-asset ratio. A falling ratio means you own more of your assets outright; a rising ratio is an early warning that debt is growing faster than what it finances.
- Do not let a negative number discourage you. Early in a career or right after buying a home, net worth is often low or negative. Paying down debt and saving steadily turn it around.
Frequently asked questions about net worth
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Add each asset and liability to your portfolio to monitor the complete picture instead of rebuilding a worksheet every time.