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Free Net Worth Statement Template — Fill Out & Download Instantly

Free — No Sign-Up RequiredPDF & WordUpdated April 15, 2026

A net worth statement — also called a personal balance sheet — is a snapshot of your financial standing at a specific point in time. It calculates the difference between everything you own (your assets) and everything you owe (your liabilities).

⚠️ Legal Disclaimer: This template is attorney-reviewed and built to US legal standards. It does not substitute for professional legal advice. For complex situations, we recommend consulting a licensed attorney.

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MM/DD/YYYY
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$
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Business interests, jewelry, collectibles, life insurance cash value

$
$
$
$
$

Personal loans, medical debt, tax obligations, etc.

MM/DD/YYYY
$
$
$
$
$
$
$

Business interests, jewelry, collectibles, life insurance cash value

$
$
$
$
$

Personal loans, medical debt, tax obligations, etc.

MM/DD/YYYY
$
$
$
$
$
$
$

Business interests, jewelry, collectibles, life insurance cash value

$
$
$
$
$

Personal loans, medical debt, tax obligations, etc.

What Is a Net Worth Statement?

A net worth statement — also called a personal balance sheet — is a snapshot of your financial standing at a specific point in time. It calculates the difference between everything you own (your assets) and everything you owe (your liabilities). Your net worth is a single, clear number that summarizes your financial health and progress toward financial independence.

When Do You Need It?

You need a net worth statement when applying for a mortgage or business loan (lenders often require it), when working with a financial planner or advisor, when preparing a personal financial plan, during divorce proceedings, for estate planning purposes, or simply when you want a comprehensive annual review of your financial position..

What's Included in This Template

  • Your name and statement date
  • Checking account balance
  • Savings account balance
  • Investment accounts (brokerage, stocks, bonds)
  • Retirement accounts (401k, IRA, pension)
  • Home / real estate value
  • Vehicle values
  • Other assets (business interests, jewelry, collectibles)
  • Mortgage balance
  • Car loan balances
  • Student loan balances
  • Credit card debt
  • Other liabilities
  • Net worth calculation (Total Assets − Total Liabilities)

How to Fill It Out

1
Enter your name and date — Fill in your name and today's date. The date is important — a net worth statement is a point-in-time snapshot, and comparing statements from different dates shows your financial progress.
2
Enter all asset values — Enter the current market value or balance for each asset category. Use current values, not original purchase prices. For real estate, use an estimate based on recent comparable sales (Zillow or a recent appraisal). For investments, use current account balances.
3
Enter all liability balances — Enter the current outstanding balance for each type of debt. Use the payoff balance from your most recent statement. Do not include monthly payments — only the remaining balance you owe.
4
Review and download — Your net worth equals your total assets minus your total liabilities. A positive number means you own more than you owe. A negative number (common early in life with student loans or a new mortgage) means you owe more than you own — this is normal and improves over time with consistent saving and debt payoff.

Legal Requirements & Notes

This net worth statement is prepared for personal financial planning purposes. If you are submitting this statement to a lender, financial institution, or court as part of a formal application or legal proceeding, ensure all values are accurate and supported by documentation. You may be required to certify the accuracy of this information. Intentional misrepresentation of assets or liabilities in a loan application may constitute fraud.

Frequently Asked Questions

There is no universal benchmark — net worth depends heavily on age, income, and life stage. A common guideline from The Millionaire Next Door suggests net worth of (age × pre-tax income) / 10 as a target. At any age, a positive trend year over year is the most important indicator.

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Free Net Worth Statement Template (2026) | FormDraft | FormDraft