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Kalkulator Kekayaan Bersih (Net Worth) — Kalkulator Online Gratis | HomeCalcPro
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Asset Portfolio & Debt Liabilities
Net Worth & Liquid Net Worth Formula
Transparent mathematical methodology explained in plain English.
Total Net Worth = Total Assets - Total Liabilities | Liquid Net Worth = Liquid Cash & Equities - Unsecured LiabilitiesSums all asset values (cash, investments, home equity, vehicles) and subtracts total outstanding debt liabilities (mortgage, auto, student loans, credit cards).
Variables Explained:
- Cash & Equivalents: Checking, high-yield savings, CDs, and emergency funds.
- Investments & Retirement: 401(k), IRA, brokerage accounts, HSA, and crypto.
- Physical Property: Home market value, real estate equity, and vehicle resale value.
- Total Liabilities: Mortgages, auto loans, student debt, credit card balances, and personal loans.
Household with $480,000 in Assets and $260,000 in Liabilities
Evaluating total net worth and liquid financial position.
- Calculate Total Assets: $35,000 + $145,000 + $300,000 = $480,000.
- Calculate Total Liabilities: $235,000 + $25,000 = $260,000.
- Calculate Total Net Worth: $480,000 - $260,000 = $220,000.
- Calculate Liquid Net Worth (Excluding primary real estate): ($35,000 + $145,000) - $25,000 = $155,000.
Pertanyaan yang Sering Diajukan (FAQ): Kalkulator Kekayaan Bersih (Net Worth)
Click any question below to expand quick answers, formulas, and expert tips.
What is the difference between net worth and liquid net worth?
Total net worth includes physical, illiquid assets such as your primary residence and vehicles. Liquid net worth only includes assets that can be converted to cash quickly (bank accounts, stocks, mutual funds) minus unsecured debts.
What is the median net worth in the United States?
According to Federal Reserve Survey of Consumer Finances data, the median net worth for US households is approximately $192,900, varying significantly across age brackets (e.g., ~$39,000 under age 35 vs ~$364,000 for ages 65-74).