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Net Worth worksheet

Grades 5–6

Solve each problem and show your work. Round answers to 2 decimal places where needed.

1.
Problem 1.
- Cash: checking, savings, CDs: $13,000
- Taxable investments: stocks, funds, crypto: $45,000
- Retirement accounts: 401(k), IRA, pension value: $100,000
- Home and other real estate (market value): $270,000
- Vehicles (resale value): $16,000
- Other assets: business, valuables, money owed to you: $3,400
- Mortgage and home equity loans: $280,000
- Car loans: $14,250
- Student loans: $20,000
- Credit card balances: $2,600
- Other debts: personal loans, medical bills, taxes owed: $0
Find: Net worth
Answer
2.
Problem 2.
- Cash: checking, savings, CDs: $12,000
- Taxable investments: stocks, funds, crypto: $33,000
- Retirement accounts: 401(k), IRA, pension value: $90,000
- Home and other real estate (market value): $350,000
- Vehicles (resale value): $27,500
- Other assets: business, valuables, money owed to you: $5,800
- Mortgage and home equity loans: $320,000
- Car loans: $13,000
- Student loans: $22,000
- Credit card balances: $2,400
- Other debts: personal loans, medical bills, taxes owed: $0
Find: Net worth
Answer
3.
Problem 3.
- Cash: checking, savings, CDs: $16,000
- Taxable investments: stocks, funds, crypto: $46,000
- Retirement accounts: 401(k), IRA, pension value: $85,000
- Home and other real estate (market value): $350,000
- Vehicles (resale value): $13,000
- Other assets: business, valuables, money owed to you: $4,750
- Mortgage and home equity loans: $250,000
- Car loans: $13,500
- Student loans: $18,000
- Credit card balances: $2,750
- Other debts: personal loans, medical bills, taxes owed: $0
Find: Net worth
Answer
4.
Problem 4.
- Cash: checking, savings, CDs: $17,000
- Taxable investments: stocks, funds, crypto: $34,000
- Retirement accounts: 401(k), IRA, pension value: $110,000
- Home and other real estate (market value): $360,000
- Vehicles (resale value): $15,000
- Other assets: business, valuables, money owed to you: $5,000
- Mortgage and home equity loans: $230,000
- Car loans: $11,000
- Student loans: $19,000
- Credit card balances: $3,000
- Other debts: personal loans, medical bills, taxes owed: $0
Find: Net worth
Answer
5.
Problem 5.
- Cash: checking, savings, CDs: $12,000
- Taxable investments: stocks, funds, crypto: $30,000
- Retirement accounts: 401(k), IRA, pension value: $80,000
- Home and other real estate (market value): $350,000
- Vehicles (resale value): $16,000
- Other assets: business, valuables, money owed to you: $4,500
- Mortgage and home equity loans: $290,000
- Car loans: $9,800
- Student loans: $19,000
- Credit card balances: $3,650
- Other debts: personal loans, medical bills, taxes owed: $0
Find: Net worth
Answer
6.
Problem 6.
- Cash: checking, savings, CDs: $14,000
- Taxable investments: stocks, funds, crypto: $42,000
- Retirement accounts: 401(k), IRA, pension value: $100,000
- Home and other real estate (market value): $270,000
- Vehicles (resale value): $19,500
- Other assets: business, valuables, money owed to you: $3,250
- Mortgage and home equity loans: $325,000
- Car loans: $14,000
- Student loans: $18,000
- Credit card balances: $2,000
- Other debts: personal loans, medical bills, taxes owed: $0
Find: Net worth
Answer
7.
Problem 7.
- Cash: checking, savings, CDs: $12,000
- Taxable investments: stocks, funds, crypto: $50,000
- Retirement accounts: 401(k), IRA, pension value: $76,000
- Home and other real estate (market value): $390,000
- Vehicles (resale value): $20,000
- Other assets: business, valuables, money owed to you: $6,000
- Mortgage and home equity loans: $260,000
- Car loans: $13,200
- Student loans: $17,000
- Credit card balances: $2,800
- Other debts: personal loans, medical bills, taxes owed: $0
Find: Net worth
Answer
8.
Problem 8.
- Cash: checking, savings, CDs: $18,000
- Taxable investments: stocks, funds, crypto: $30,000
- Retirement accounts: 401(k), IRA, pension value: $100,000
- Home and other real estate (market value): $350,000
- Vehicles (resale value): $26,000
- Other assets: business, valuables, money owed to you: $5,400
- Mortgage and home equity loans: $340,000
- Car loans: $11,000
- Student loans: $18,250
- Credit card balances: $3,400
- Other debts: personal loans, medical bills, taxes owed: $0
Find: Net worth
Answer
9.
Problem 9.
- Cash: checking, savings, CDs: $12,600
- Taxable investments: stocks, funds, crypto: $40,000
- Retirement accounts: 401(k), IRA, pension value: $80,000
- Home and other real estate (market value): $320,000
- Vehicles (resale value): $27,500
- Other assets: business, valuables, money owed to you: $5,000
- Mortgage and home equity loans: $300,000
- Car loans: $9,000
- Student loans: $20,000
- Credit card balances: $3,800
- Other debts: personal loans, medical bills, taxes owed: $0
Find: Net worth
Answer
10.
Problem 10.
- Cash: checking, savings, CDs: $15,000
- Taxable investments: stocks, funds, crypto: $42,000
- Retirement accounts: 401(k), IRA, pension value: $75,000
- Home and other real estate (market value): $350,000
- Vehicles (resale value): $15,000
- Other assets: business, valuables, money owed to you: $4,750
- Mortgage and home equity loans: $260,000
- Car loans: $8,500
- Student loans: $20,000
- Credit card balances: $2,800
- Other debts: personal loans, medical bills, taxes owed: $0
Find: Net worth
Answer

Answer key: Net Worth worksheet

1. Net worth: $130,550.00
1. Add up everything you own at today's value
  $$13,000.00 + $45,000.00 + $100,000.00 + $270,000.00 + $16,000.00 + $3,400.00$ $= $447,400.00$
2. Add up everything you owe at today's payoff balance
  $$280,000.00 + $14,250.00 + $20,000.00 + $2,600.00 + $0.00$ $= $316,850.00$
3. Take what you owe away from what you own. What's left is your net worth
  $$447,400.00 - $316,850.00$ $= $130,550.00$
4. For liquid net worth, count only the money you could reach quickly (cash and taxable investments) against all your debts
  $$13,000.00 + $45,000.00 - $316,850.00$ $= −$258,850.00$
5. Find your home equity, the part of the home you own outright: its value minus the mortgage
  $$270,000.00 - $280,000.00$ $= −$10,000.00$
6. Find the debt-to-asset ratio: the share of what you own that your debts would use up
  $\frac{$316,850.00}{$447,400.00} \times 100$ $= 70.82%$
2. Net worth: $160,900.00
1. Add up everything you own at today's value
  $$12,000.00 + $33,000.00 + $90,000.00 + $350,000.00 + $27,500.00 + $5,800.00$ $= $518,300.00$
2. Add up everything you owe at today's payoff balance
  $$320,000.00 + $13,000.00 + $22,000.00 + $2,400.00 + $0.00$ $= $357,400.00$
3. Take what you owe away from what you own. What's left is your net worth
  $$518,300.00 - $357,400.00$ $= $160,900.00$
4. For liquid net worth, count only the money you could reach quickly (cash and taxable investments) against all your debts
  $$12,000.00 + $33,000.00 - $357,400.00$ $= −$312,400.00$
5. Find your home equity, the part of the home you own outright: its value minus the mortgage
  $$350,000.00 - $320,000.00$ $= $30,000.00$
6. Find the debt-to-asset ratio: the share of what you own that your debts would use up
  $\frac{$357,400.00}{$518,300.00} \times 100$ $= 68.96%$
3. Net worth: $230,500.00
1. Add up everything you own at today's value
  $$16,000.00 + $46,000.00 + $85,000.00 + $350,000.00 + $13,000.00 + $4,750.00$ $= $514,750.00$
2. Add up everything you owe at today's payoff balance
  $$250,000.00 + $13,500.00 + $18,000.00 + $2,750.00 + $0.00$ $= $284,250.00$
3. Take what you owe away from what you own. What's left is your net worth
  $$514,750.00 - $284,250.00$ $= $230,500.00$
4. For liquid net worth, count only the money you could reach quickly (cash and taxable investments) against all your debts
  $$16,000.00 + $46,000.00 - $284,250.00$ $= −$222,250.00$
5. Find your home equity, the part of the home you own outright: its value minus the mortgage
  $$350,000.00 - $250,000.00$ $= $100,000.00$
6. Find the debt-to-asset ratio: the share of what you own that your debts would use up
  $\frac{$284,250.00}{$514,750.00} \times 100$ $= 55.22%$
4. Net worth: $278,000.00
1. Add up everything you own at today's value
  $$17,000.00 + $34,000.00 + $110,000.00 + $360,000.00 + $15,000.00 + $5,000.00$ $= $541,000.00$
2. Add up everything you owe at today's payoff balance
  $$230,000.00 + $11,000.00 + $19,000.00 + $3,000.00 + $0.00$ $= $263,000.00$
3. Take what you owe away from what you own. What's left is your net worth
  $$541,000.00 - $263,000.00$ $= $278,000.00$
4. For liquid net worth, count only the money you could reach quickly (cash and taxable investments) against all your debts
  $$17,000.00 + $34,000.00 - $263,000.00$ $= −$212,000.00$
5. Find your home equity, the part of the home you own outright: its value minus the mortgage
  $$360,000.00 - $230,000.00$ $= $130,000.00$
6. Find the debt-to-asset ratio: the share of what you own that your debts would use up
  $\frac{$263,000.00}{$541,000.00} \times 100$ $= 48.61%$
5. Net worth: $170,050.00
1. Add up everything you own at today's value
  $$12,000.00 + $30,000.00 + $80,000.00 + $350,000.00 + $16,000.00 + $4,500.00$ $= $492,500.00$
2. Add up everything you owe at today's payoff balance
  $$290,000.00 + $9,800.00 + $19,000.00 + $3,650.00 + $0.00$ $= $322,450.00$
3. Take what you owe away from what you own. What's left is your net worth
  $$492,500.00 - $322,450.00$ $= $170,050.00$
4. For liquid net worth, count only the money you could reach quickly (cash and taxable investments) against all your debts
  $$12,000.00 + $30,000.00 - $322,450.00$ $= −$280,450.00$
5. Find your home equity, the part of the home you own outright: its value minus the mortgage
  $$350,000.00 - $290,000.00$ $= $60,000.00$
6. Find the debt-to-asset ratio: the share of what you own that your debts would use up
  $\frac{$322,450.00}{$492,500.00} \times 100$ $= 65.47%$
6. Net worth: $89,750.00
1. Add up everything you own at today's value
  $$14,000.00 + $42,000.00 + $100,000.00 + $270,000.00 + $19,500.00 + $3,250.00$ $= $448,750.00$
2. Add up everything you owe at today's payoff balance
  $$325,000.00 + $14,000.00 + $18,000.00 + $2,000.00 + $0.00$ $= $359,000.00$
3. Take what you owe away from what you own. What's left is your net worth
  $$448,750.00 - $359,000.00$ $= $89,750.00$
4. For liquid net worth, count only the money you could reach quickly (cash and taxable investments) against all your debts
  $$14,000.00 + $42,000.00 - $359,000.00$ $= −$303,000.00$
5. Find your home equity, the part of the home you own outright: its value minus the mortgage
  $$270,000.00 - $325,000.00$ $= −$55,000.00$
6. Find the debt-to-asset ratio: the share of what you own that your debts would use up
  $\frac{$359,000.00}{$448,750.00} \times 100$ $= 80%$
7. Net worth: $261,000.00
1. Add up everything you own at today's value
  $$12,000.00 + $50,000.00 + $76,000.00 + $390,000.00 + $20,000.00 + $6,000.00$ $= $554,000.00$
2. Add up everything you owe at today's payoff balance
  $$260,000.00 + $13,200.00 + $17,000.00 + $2,800.00 + $0.00$ $= $293,000.00$
3. Take what you owe away from what you own. What's left is your net worth
  $$554,000.00 - $293,000.00$ $= $261,000.00$
4. For liquid net worth, count only the money you could reach quickly (cash and taxable investments) against all your debts
  $$12,000.00 + $50,000.00 - $293,000.00$ $= −$231,000.00$
5. Find your home equity, the part of the home you own outright: its value minus the mortgage
  $$390,000.00 - $260,000.00$ $= $130,000.00$
6. Find the debt-to-asset ratio: the share of what you own that your debts would use up
  $\frac{$293,000.00}{$554,000.00} \times 100$ $= 52.89%$
8. Net worth: $156,750.00
1. Add up everything you own at today's value
  $$18,000.00 + $30,000.00 + $100,000.00 + $350,000.00 + $26,000.00 + $5,400.00$ $= $529,400.00$
2. Add up everything you owe at today's payoff balance
  $$340,000.00 + $11,000.00 + $18,250.00 + $3,400.00 + $0.00$ $= $372,650.00$
3. Take what you owe away from what you own. What's left is your net worth
  $$529,400.00 - $372,650.00$ $= $156,750.00$
4. For liquid net worth, count only the money you could reach quickly (cash and taxable investments) against all your debts
  $$18,000.00 + $30,000.00 - $372,650.00$ $= −$324,650.00$
5. Find your home equity, the part of the home you own outright: its value minus the mortgage
  $$350,000.00 - $340,000.00$ $= $10,000.00$
6. Find the debt-to-asset ratio: the share of what you own that your debts would use up
  $\frac{$372,650.00}{$529,400.00} \times 100$ $= 70.39%$
9. Net worth: $152,300.00
1. Add up everything you own at today's value
  $$12,600.00 + $40,000.00 + $80,000.00 + $320,000.00 + $27,500.00 + $5,000.00$ $= $485,100.00$
2. Add up everything you owe at today's payoff balance
  $$300,000.00 + $9,000.00 + $20,000.00 + $3,800.00 + $0.00$ $= $332,800.00$
3. Take what you owe away from what you own. What's left is your net worth
  $$485,100.00 - $332,800.00$ $= $152,300.00$
4. For liquid net worth, count only the money you could reach quickly (cash and taxable investments) against all your debts
  $$12,600.00 + $40,000.00 - $332,800.00$ $= −$280,200.00$
5. Find your home equity, the part of the home you own outright: its value minus the mortgage
  $$320,000.00 - $300,000.00$ $= $20,000.00$
6. Find the debt-to-asset ratio: the share of what you own that your debts would use up
  $\frac{$332,800.00}{$485,100.00} \times 100$ $= 68.6%$
10. Net worth: $210,450.00
1. Add up everything you own at today's value
  $$15,000.00 + $42,000.00 + $75,000.00 + $350,000.00 + $15,000.00 + $4,750.00$ $= $501,750.00$
2. Add up everything you owe at today's payoff balance
  $$260,000.00 + $8,500.00 + $20,000.00 + $2,800.00 + $0.00$ $= $291,300.00$
3. Take what you owe away from what you own. What's left is your net worth
  $$501,750.00 - $291,300.00$ $= $210,450.00$
4. For liquid net worth, count only the money you could reach quickly (cash and taxable investments) against all your debts
  $$15,000.00 + $42,000.00 - $291,300.00$ $= −$234,300.00$
5. Find your home equity, the part of the home you own outright: its value minus the mortgage
  $$350,000.00 - $260,000.00$ $= $90,000.00$
6. Find the debt-to-asset ratio: the share of what you own that your debts would use up
  $\frac{$291,300.00}{$501,750.00} \times 100$ $= 58.06%$