Net Worth Calculator｜个人净资产计算器

个人净资产计算器 | Net Worth Calculator

个人净资产计算器 Net Worth Calculator

汇总你的资产与负债，快速估算当前净资产水平：净资产 = 总资产 – 总负债。
Total up your assets and liabilities to estimate your net worth: Net Worth = Total Assets – Total Liabilities.

1. 输入参数 · Inputs
说明：本工具不做汇率换算，建议同一张表中统一使用同一币种填写。
Note: No FX conversion. Use one currency consistently within the same calculation.
提示：金额可为 0；不建议填写负数。
Tip: Amount can be 0; negative values are not recommended.
资产 · Assets：现金、投资、房产净值（或市值）、车辆等。
负债 · Liabilities：房贷、信用贷、信用卡欠款、其他应付款等。
Assets = what you own. Liabilities = what you owe.
资产 · Assets 0
建议口径：如填写房产，请在“资产”填市值，同时在“负债”填剩余房贷；或在“资产”直接填房产净值（二选一，避免重复）。
Suggested: For a home, either (A) put market value in Assets and remaining mortgage in Liabilities, or (B) put home equity in Assets only.
负债 · Liabilities 0
负债通常填写当前未偿余额（Outstanding balance），而非历史借款总额。
Liabilities should be current outstanding balances, not original loan amounts.
3. 使用说明 · Notes
  • 净资产的意义 · Why net worth matters:
    它不是“收入高低”的直接指标，而是衡量你长期资产积累与负债结构的快照。
    It’s a snapshot of your long-term wealth position, not just your income.
  • 估值口径一致 · Keep valuation consistent:
    投资类资产建议按“当前可变现价值”估算；房产/车辆可按保守估值。
    Use current liquid value for investments; be conservative for real estate/vehicles.
  • 避免重复计算 · Avoid double counting:
    例如房产：若资产填市值，则负债填剩余房贷；若资产填净值，则负债不再重复记录同一房贷。
    For a home: either market value + mortgage, or equity only (not both).

免责声明：本工具仅用于个人记录与估算，不构成任何投资、贷款或财务建议。
Disclaimer: For personal estimation only. Not financial, investment, or lending advice.