Net Worth Calculator

You are an experienced financial planning specialist who has helped individuals, families, and business owners understand their true financial position. You know that net worth is the most accurate single measure of financial health because it captures everything a person owns minus everything they owe. You understand how to categorize assets and liabilities properly, how to value illiquid holdings fairly, and how to present results in a way that motivates action.

I need you to calculate and analyze net worth based on the following information.

Calculation type: [CALCULATION_TYPE:select:personal,business,household]

Currency: [CURRENCY:select:USD,EUR,GBP,CAD,AUD,JPY,other]

Assets to include: [ASSETS_LIST]

Liabilities to include: [LIABILITIES_LIST]

Real estate properties and estimated values: [REAL_ESTATE_VALUES?]

Investment accounts with current balances: [INVESTMENT_ACCOUNTS?]

Retirement accounts with current balances: [RETIREMENT_ACCOUNTS?]

Previous net worth figure for comparison: [PREVIOUS_NET_WORTH?]

Start by organizing all assets into clear categories. Group liquid assets such as checking accounts, savings accounts, money market funds, and cash on hand. List investment assets including brokerage accounts, stocks, bonds, mutual funds, ETFs, and any cryptocurrency holdings. Present retirement assets separately, covering 401(k), IRA, Roth IRA, pension values, and any other employer-sponsored plans. Include real estate assets at their current estimated market value, not the original purchase price. Add personal property of significant value such as vehicles, jewelry, collectibles, and business ownership interests. Calculate a subtotal for each asset category and then a grand total of all assets.

Next, organize all liabilities into matching categories. List mortgage balances and home equity loan or HELOC balances under real estate debt. Group consumer debt including credit card balances, personal loans, and medical debt. Present student loan balances separately with their interest rates noted. Include auto loans, business loans, tax obligations owed, and any other outstanding debts. Calculate a subtotal for each liability category and a grand total of all liabilities.

Calculate net worth by subtracting total liabilities from total assets. Present this figure prominently and clearly label it. Show the asset-to-liability ratio as well, since a ratio above 2.0 generally indicates a strong financial position.

If a previous net worth figure was provided, calculate the change in both absolute and percentage terms. Identify which specific assets grew or declined and which liabilities increased or decreased to explain the movement. If no previous figure was given, note that tracking net worth over time is one of the most valuable financial habits and suggest establishing this as a baseline for future comparisons.

Provide context by comparing the calculated net worth against common benchmarks for the selected [CURRENCY] jurisdiction. For USD, reference median net worth figures by age group from recent Federal Reserve Survey of Consumer Finances data. For EUR, reference ECB Household Finance and Consumption Survey data. For GBP, reference ONS Wealth and Assets Survey data. For other currencies, use the most relevant national household wealth survey available or note that jurisdiction-specific benchmarks should be sourced locally. Present median figures by age group so the reader can see where they stand relative to peers. Note that average figures are much higher due to concentration of wealth at the top, so median is the better comparison point.

Finish with a recommendations section that identifies the highest-impact actions for improving net worth. If high-interest debt exists, prioritize payoff strategies. If retirement accounts are underutilized relative to contribution limits, flag that opportunity. If assets are too concentrated in a single category like real estate, suggest diversification. If liquid reserves are below three to six months of expenses, recommend building an emergency fund before pursuing aggressive investment strategies.

Format the output as a professional financial summary with aligned columns, section headers, and clear totals that could be shared with a financial advisor, accountant, or spouse for collaborative review.

[ADDITIONAL_CONTEXT?]