Net Worth Calculator

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In this article, I would like to share my own Net Worth Calculator for Excel. Net worth is used to measure people or company's wealth. It is calculated by subtracting someone's or company's assets from their liabilities. If you don't have many assets as well as liabilities, it should be easy to calculate your net worth. Why is it important? From personal point of view, by knowing your net worth, you can create a plan to increase your wealth in order to achieve financial freedom, and perhaps to retire from your current job and do your hobby or create a business. From company's point of view, it will determine your company's health in order to expand to other business or add more inventory. And it should increase value of your company's shares as well.

Net Worth Calculator Excel Template

Because it is easy to calculate, you can find this tool in plenty of sites with variety layouts to accompany its basic calculation. The Excel template you download below is a basic net worth calculator. In this template, I put assets table above liabilities table. I put subtraction formula on top of those tables to ease you see net worth calculation result clearly. This template is fully editable. You can modify or add more columns and rows to suit your needs. Ignore the inputted values. They are just dummies put to check the created excel formulas.

Since it is a basic template, you can put your assets and liabilities values in white cells in respective assets and liabilities fields.

Assets Terms

I wrote common assets names where you can use or modify. If you use it for company purposes, it could require more item and you can delete several irrelevant item. Here are the breakdown of its category.

Cash/Cash Equivalent

  • Checking Account - Local and International Currency
  • Savings Account - Local and International Currency
  • Certificate of Deposits - Local and International Currency
  • Life Insurance
  • Other Cash/Cash Equivalent

Property/Personal Belonging

  • Houses and apartments
  • Cars and motorcycles
  • Jewelries
  • Furniture

Other Properties/Personal Belonging

  • Artwork and Antiques
  • Electronic Items


  • Securities (stocks, bonds, mutual funds)
  • Treasury Bills
  • Car rental
  • House rental
  • Other investments

Other Assets

  • Money Borrowed to Others
  • Other

Liabilities Terms

I divided liabilities into two categories, loan and non loan. Feel free to modify it.


  • House Mortgage
  • Car Loan
  • Credit Card Debt
  • Consumer Loans
  • Student Loans
  • Other Loans

Non Loan

  • Unpaid Taxes
  • Money Owed to Others
  • Other liabilities

After entering all values, you can check its net worth calculation. Then, you can print this worksheet as one page. And you can duplicate the formulas for new category. If you need more worksheets, you can duplicate it from the excel tab menu.

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