Calculate your total net worth by listing assets and liabilities for personal, business, or household use
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?]
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Get Early AccessKnowing your net worth is the starting point for every meaningful financial decision, from retirement planning to qualifying for a loan to deciding whether you can afford a career change. The calculation itself is simple: add up everything you own, subtract everything you owe, and the result is your net worth. The challenge is doing it thoroughly enough to be accurate and consistently enough to spot trends over time.
This net worth calculator prompt generates a complete financial snapshot organized by asset category (liquid, investment, retirement, real estate, personal property) and liability category (mortgage, consumer debt, student loans, auto loans, taxes owed). Enter your [ASSETS_LIST] and [LIABILITIES_LIST], select your [CALCULATION_TYPE], and the AI produces a categorized breakdown with subtotals, your total net worth figure, an asset-to-liability ratio, and benchmark comparisons by age group based on Federal Reserve data. If you include a [PREVIOUS_NET_WORTH], it calculates your change over time and identifies what drove the movement.
For a detailed look at the business side of your finances, pair this with a balance sheet template that separates assets, liabilities, and equity in standard accounting format. If budgeting is the next step after seeing your numbers, the budget template helps you plan where your money goes each month. Open the prompt in the Dock Editor to calculate your net worth now and get personalized recommendations for growing it.
Paste the prompt into ChatGPT, Claude, Gemini, or the Dock Editor. Select [CALCULATION_TYPE] based on whether this is for personal, business, or household purposes. Pick the [CURRENCY] that matches your accounts. This shapes how the output categories and benchmarks are presented.
Enter everything you own in [ASSETS_LIST]. Include bank balances, brokerage accounts, retirement plans, real estate at current market value, vehicles, and any other property with meaningful resale value. Use [REAL_ESTATE_VALUES], [INVESTMENT_ACCOUNTS], and [RETIREMENT_ACCOUNTS] for detailed breakdowns of those specific categories.
Enter every debt and obligation in [LIABILITIES_LIST]. Include mortgage balances, credit card balances, student loans, auto loans, personal loans, medical debt, and any taxes owed. Use current outstanding balances, not original loan amounts. Accuracy here matters more than on the asset side because people tend to undercount what they owe.
If you have calculated net worth before, enter that number in [PREVIOUS_NET_WORTH]. The AI will compute your growth or decline in both dollar and percentage terms and identify which accounts drove the change. First-time users can skip this and use the result as their baseline.
Read the summary for your total net worth, asset-to-liability ratio, and age-group benchmark comparison. Focus on the recommendations section, which prioritizes actions like debt payoff, retirement contributions, or emergency fund building based on your actual numbers.
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