Home Equity and Net Sale Equity Calculator
Check property value, secured debt and net sale equity separately.
Property
Personal Net Worth Calculator
Add the portion of each asset you own and subtract the debts for which you are responsible. Enter gross property values and mortgage debt separately to avoid counting the same debt twice.
Your numbers
How the calculation works
A net-worth statement combines the portion of assets included in your assessment with the corresponding liabilities. Each item keeps a gross value and a share, making joint ownership explicit rather than silently treating every household asset as wholly yours.
Net worth = sum(asset value × ownership share) − sum(debt value × included responsibility share).
List gross assets and debts
Keep a property’s gross value and its mortgage as separate rows. Include savings and other assets once, using values for a consistent statement date.
Apply the included share
Multiply each gross amount by its ownership or responsibility percentage. Asset shares and the debt shares being assessed do not have to be identical, but should reflect a deliberate basis.
Build the balance sheet
Sum included assets and included liabilities separately, then subtract liabilities from assets. The item table exposes each share-adjusted amount for checking.
Worked example: Joint property and individual savings
Sample inputs demonstrate the method. They are not a forecast or product offer.
The example includes half of a €200,000 home, half of a €100,000 mortgage and all €10,000 savings. Included assets total €110,000 and liabilities €50,000. Their difference is €60,000 net worth.
- Assets and liabilities
- Home,asset,200000,50 Mortgage,debt,100000,50 Savings,asset,10000,100
Expected result
- Net worth
- €60,000.00
- Your included assets
- €110,000.00
- Your included liabilities
- €50,000.00
Worked example: Negative net worth
Sample inputs demonstrate the method. They are not a forecast or product offer.
- Assets and liabilities
- Cash,asset,1000,100 Loan,debt,5000,100
Expected result
- Net worth
- -€4,000.00
Understanding your result
Net worth is a stock of value at the chosen date, not income or immediately available spending money. A large property asset can make net worth positive while cash remains limited.
For joint debts, an informal allocation may differ from legal responsibility. The entered percentage describes this assessment and does not limit what a lender can claim under a contract.
Questions you might have
Should I enter gross home value or home equity?
Enter gross home value and the mortgage as a separate liability. Entering equity as well would deduct the debt twice.
Choosing the right inputs
- Assets and liabilities
- Use rows containing a distinct name, asset or debt, gross value and included percentage. Enter positive values without currency symbols, headings or thousands separators, and use EUR consistently. Debt is identified by its type rather than a negative amount.
Common mistakes to avoid
- Do not list net home equity and then deduct the full mortgage again.
- A repeated item under another name can still double count value; the distinct-name check cannot identify every economic duplication.
Assumptions to check
- Mortgage debt is listed once and is not also subtracted from the gross home value. No automatic valuations or FX conversion.
Sources and method
Read our calculation and testing approach.