Your balance sheet, with the
business valued honestly
A consumer net worth calculator assumes your assets are liquid, marketable and worth their face value. None of that is true for a business owner. Your largest asset cannot be sold in a week, is worth less than its headline value because of marketability and control discounts, and probably carries personal guarantees that follow you if it fails. This calculator is built for that balance sheet.
Business Owner Net Worth Calculator
Build a personal balance sheet that values an illiquid business honestly, counts the guarantees you have signed, and shows what survives tax and a bad outcome.
Net worth statement
Your business interest is shown at its discounted, ownership-adjusted value -- not the headline enterprise value. That is the figure a lender or estate attorney would actually work from.
| Line item | Amount |
|---|---|
| Liquid assets | |
| Cash & checking | $145,000 |
| Savings & money market | $220,000 |
| Taxable brokerage | $380,000 |
| Total liquid | $745,000 |
| Retirement accounts | |
| 401(k) / 403(b) | $640,000 |
| Traditional / SEP IRA | $285,000 |
| Roth IRA | $130,000 |
| Total retirement | $1,055,000 |
| Business interests | |
| Enterprise value (100%) | $4,200,000 |
| Your share at 100% | $4,200,000 |
| Less valuation discounts | ($630,000) |
| Discounted business interest | $3,570,000 |
| Seller notes receivable | $0 |
| Other LLC / partnership | $180,000 |
| Total business | $3,750,000 |
| Real estate | |
| Primary residence | $1,150,000 |
| Business real estate | $950,000 |
| Investment real estate | $480,000 |
| Total real estate | $2,580,000 |
| Other assets | |
| Life insurance cash value | $95,000 |
| Vehicles & personal property | $165,000 |
| Other | $0 |
| Total other | $260,000 |
| TOTAL ASSETS | $8,390,000 |
| Direct liabilities | |
| Primary mortgage | $470,000 |
| HELOC | $0 |
| Business RE mortgage | $540,000 |
| Investment RE mortgages | $265,000 |
| Auto loans | $62,000 |
| Credit cards | $14,000 |
| Student loans | $0 |
| Other personal debt | $0 |
| Total direct debt | $1,351,000 |
| Personal guarantees | |
| Guaranteed business debt | $780,000 |
| SBA loan guarantee | $0 |
| Guaranteed credit lines | $120,000 |
| Other contingent exposure | $0 |
| Total guarantees | $900,000 |
| TOTAL LIABILITIES | $2,251,000 |
| Net Worth | $6,139,000 |
Most net worth calculators ignore personal guarantees because they sit on the business balance sheet. But a guarantee makes you personally liable if the business cannot pay -- which is exactly when you would need the money. Every lender underwriting you personally will count them, so this statement does too.