> ## Documentation Index > Fetch the complete documentation index at: https://docs.iotools.cloud/llms.txt > Use this file to discover all available pages before exploring further. # Net Worth Calculator > Calculate your net worth from categorized assets and liabilities. Enter cash, investments, property, vehicles and debts to get your total assets, total liabilities, net worth and a visual breakdown. [Try Net Worth Calculator in your browser →](https://iotools.cloud/tool/net-worth-calculator/) ## OpenAPI ````yaml https://api.iotools.cloud/v1/openapi post /v1/tool/net-worth-calculator openapi: 3.1.0 info: title: iotools.cloud API version: 1.0.0 description: >- Run any iotools.cloud tool over HTTP. Authenticate with `Authorization: Bearer iot_live_…`. **Only `POST /v1/tool/{slug}` costs credits.** Every GET here — the catalog, a tool's schema, your balance — is free. A tool call is charged its own weight or your plan's per-call minimum, whichever is larger; `x-iotools-credit-cost` on each operation is quoted at the free-tier minimum, and `GET /v1/tools/list` returns the exact figure for your key. `GET /v1/me/credits` reports what you have left, and `GET /v1/me/usage` reports what it went on. Failures are RFC 9457 problem documents — branch on `code`. servers: - url: https://api.iotools.cloud description: Production security: - bearerAuth: [] tags: - name: Catalog description: Find a tool and read its contract. Free. - name: Converters description: >- Convert between formats, encodings, and units — Base64, CSV and JSON, timestamps, and more. Fast, free, and processed right in your browser. - name: Formatters description: >- Format, beautify, minify, and validate code and data — JSON, HTML, CSS, SQL, and regex. Clean up messy input in one click, with nothing to upload. - name: Generators description: >- Generate exactly what you need and on demand — passwords, UUIDs, QR codes, hashes, random numbers, and more. Secure, instant, and free. - name: Calculators description: >- Crunch the numbers fast — from everyday math to specialized conversions and unit work. Free online calculators that run entirely in your browser. - name: Editors description: >- Edit and transform text, code, and images with quick, focused editors that run entirely in your browser — nothing to install, and no sign-up needed. - name: Utilities description: >- Everyday developer and web utilities — DNS and IP lookups, redirect and certificate checkers, and other quick diagnostics. Free and privacy-friendly. - name: Account description: Your key's allowance, limits and usage history. paths: /v1/tool/net-worth-calculator: post: tags: - Calculators summary: Net Worth Calculator description: >- Calculate your net worth from categorized assets and liabilities. Enter cash, investments, property, vehicles and debts to get your total assets, total liabilities, net worth and a visual breakdown. [Try Net Worth Calculator in your browser →](https://iotools.cloud/tool/net-worth-calculator/) operationId: run_net_worth_calculator requestBody: required: false content: application/json: schema: type: object properties: cash: type: number description: Cash & Savings minimum: 0 maximum: 999999999999 investments: type: number description: Investments & Retirement minimum: 0 maximum: 999999999999 realEstate: type: number description: Real Estate minimum: 0 maximum: 999999999999 vehicles: type: number description: Vehicles minimum: 0 maximum: 999999999999 otherAssets: type: number description: Other Assets minimum: 0 maximum: 999999999999 mortgage: type: number description: Mortgage minimum: 0 maximum: 999999999999 autoLoans: type: number description: Car Loans minimum: 0 maximum: 999999999999 studentLoans: type: number description: Student Loans minimum: 0 maximum: 999999999999 creditCards: type: number description: Credit Card Debt minimum: 0 maximum: 999999999999 otherDebts: type: number description: Other Debts minimum: 0 maximum: 999999999999 currency: enum: - USD - EUR - GBP - JPY - INR - CAD - AUD - CHF - CNY - BRL - MXN - SGD - ZAR - NONE description: Currency required: [] examples: typical_homeowner_default_figures: summary: Typical homeowner (default figures) value: cash: '15000' investments: '60000' realEstate: '320000' vehicles: '18000' otherAssets: '5000' mortgage: '240000' autoLoans: '12000' studentLoans: '18000' creditCards: '4000' otherDebts: '0' currency: USD renter_with_student_debt_negative_net_worth: summary: Renter with student debt (negative net worth) value: cash: '4000' investments: '9000' realEstate: '0' vehicles: '7000' otherAssets: '0' mortgage: '0' autoLoans: '6500' studentLoans: '42000' creditCards: '3200' otherDebts: '1500' currency: GBP debt_free_saver_euros: summary: Debt-free saver (euros) value: cash: '28000' investments: '150000' realEstate: '0' vehicles: '0' otherAssets: '12000' mortgage: '0' autoLoans: '0' studentLoans: '0' creditCards: '0' otherDebts: '0' currency: EUR responses: '200': description: Tool output content: application/json: examples: typical_homeowner_default_figures: summary: Typical homeowner (default figures) value: tool: net-worth-calculator tool_version: 1.0.1 outputs: summary: - metric: Total Assets value: $418,000 - metric: Total Liabilities value: $274,000 - metric: Net Worth value: $144,000 - metric: Liquid Assets (cash + investments) value: $75,000 - metric: Debt-to-Asset Ratio value: 65.6% - metric: Largest Asset value: Real Estate ($320,000) - metric: Largest Liability value: Mortgage ($240,000) - metric: Position value: Positive breakdown: - category: Cash & Savings type: Asset amount: $15,000 share-of-side: 3.6% - category: Investments & Retirement type: Asset amount: $60,000 share-of-side: 14.4% - category: Real Estate type: Asset amount: $320,000 share-of-side: 76.6% - category: Vehicles type: Asset amount: $18,000 share-of-side: 4.3% - category: Other Assets type: Asset amount: $5,000 share-of-side: 1.2% - category: Mortgage type: Liability amount: $240,000 share-of-side: 87.6% - category: Car Loans type: Liability amount: $12,000 share-of-side: 4.4% - category: Student Loans type: Liability amount: $18,000 share-of-side: 6.6% - category: Credit Card Debt type: Liability amount: $4,000 share-of-side: 1.5% chartSvg: >- Assets$418,000Liabilities$274,000Net worth$144,000Cash & Savings · $15,000Investments & Retirement · $60,000Real Estate · $320,000Vehicles · $18,000Other Assets · $5,000Mortgage · $240,000Car Loans · $12,000Student Loans · $18,000Credit Card Debt · $4,000 credits_used: 3 credits_remaining: null renter_with_student_debt_negative_net_worth: summary: Renter with student debt (negative net worth) value: tool: net-worth-calculator tool_version: 1.0.1 outputs: summary: - metric: Total Assets value: £20,000 - metric: Total Liabilities value: £53,200 - metric: Net Worth value: '-£33,200' - metric: Liquid Assets (cash + investments) value: £13,000 - metric: Debt-to-Asset Ratio value: 266.0% - metric: Largest Asset value: Investments & Retirement (£9,000) - metric: Largest Liability value: Student Loans (£42,000) - metric: Position value: Negative — debts exceed assets breakdown: - category: Cash & Savings type: Asset amount: £4,000 share-of-side: 20.0% - category: Investments & Retirement type: Asset amount: £9,000 share-of-side: 45.0% - category: Vehicles type: Asset amount: £7,000 share-of-side: 35.0% - category: Car Loans type: Liability amount: £6,500 share-of-side: 12.2% - category: Student Loans type: Liability amount: £42,000 share-of-side: 78.9% - category: Credit Card Debt type: Liability amount: £3,200 share-of-side: 6.0% - category: Other Debts type: Liability amount: £1,500 share-of-side: 2.8% chartSvg: >- Assets£20,000Liabilities£53,200Net worth-£33,200Cash & Savings · £4,000Investments & Retirement · £9,000Vehicles · £7,000Car Loans · £6,500Student Loans · £42,000Credit Card Debt · £3,200Other Debts · £1,500 credits_used: 3 credits_remaining: null debt_free_saver_euros: summary: Debt-free saver (euros) value: tool: net-worth-calculator tool_version: 1.0.1 outputs: summary: - metric: Total Assets value: €190,000 - metric: Total Liabilities value: €0 - metric: Net Worth value: €190,000 - metric: Liquid Assets (cash + investments) value: €178,000 - metric: Debt-to-Asset Ratio value: 0.0% - metric: Largest Asset value: Investments & Retirement (€150,000) - metric: Largest Liability value: None - metric: Position value: Positive breakdown: - category: Cash & Savings type: Asset amount: €28,000 share-of-side: 14.7% - category: Investments & Retirement type: Asset amount: €150,000 share-of-side: 78.9% - category: Other Assets type: Asset amount: €12,000 share-of-side: 6.3% chartSvg: >- Assets€190,000Liabilities€0Net worth€190,000Cash & Savings · €28,000Investments & Retirement · €150,000Other Assets · €12,000 credits_used: 3 credits_remaining: null schema: type: object required: - tool - tool_version - outputs - credits_used - credits_remaining properties: outputs: type: object properties: summary: type: array description: Summary items: type: object properties: metric: type: string description: Metric value: type: string description: Value x-iotools-columns: - metric - value breakdown: type: array description: Category breakdown items: type: object properties: category: type: string description: Category type: type: string description: Type amount: type: string description: Amount share-of-side: type: string description: Share of side x-iotools-columns: - category - type - amount - share-of-side chartSvg: type: string description: Chart (SVG source) tool: type: string description: The tool's slug, echoing the {slug} in the request path. tool_version: type: string description: Output-contract version for this tool. credits_used: type: integer description: >- Credits this call consumed, after any settlement refund. 0 when metering is disabled. credits_remaining: type: - integer - 'null' description: >- Credits left in the current monthly allowance, or null when metering is disabled. request_id: type: string description: Correlation id, also sent as x-request-id. '400': $ref: '#/components/responses/ValidationError' '401': $ref: '#/components/responses/Unauthorized' '402': $ref: '#/components/responses/InsufficientCredits' '403': $ref: '#/components/responses/ToolNotAllowed' '404': $ref: '#/components/responses/ToolNotFound' '413': $ref: '#/components/responses/PayloadTooLarge' '429': $ref: '#/components/responses/RateLimited' '500': $ref: '#/components/responses/ToolFailed' '503': $ref: '#/components/responses/ToolDisabled' security: - bearerAuth: [] components: responses: ValidationError: description: Invalid request. content: application/problem+json: schema: type: object description: >- RFC 9457 problem document, served as application/problem+json. Branch on `code`; `title` is human prose and may be reworded without notice. Some failures add extension members — `fields` on validation errors, `retry_after` on 429s, `credits_used`/`credits_remaining` on billing-adjacent failures — documented on the responses that carry them. required: - type - title - status - code properties: type: type: string format: uri description: Stable documentation URI for this failure. examples: - https://iotools.cloud/docs/errors/validation_error title: type: string description: Short human-readable summary of the failure. examples: - Invalid request status: type: integer description: HTTP status code, matching the response's own status. code: type: string description: >- Stable machine-readable error code — branch on this, not `title`. enum: - validation_error detail: type: string description: Human explanation of this occurrence. request_id: type: string description: Correlation id, also sent as x-request-id. fields: type: - object - string additionalProperties: type: string description: >- What failed: a map of field name → message. Absent when the body itself is malformed; a single string when the failure isn't tied to one field. example: type: https://iotools.cloud/docs/errors/validation_error title: Invalid request status: 400 code: validation_error detail: One or more inputs are invalid — see `fields`. request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11 fields: inputString: Required Unauthorized: description: Missing or invalid API key. content: application/problem+json: schema: type: object description: >- RFC 9457 problem document, served as application/problem+json. Branch on `code`; `title` is human prose and may be reworded without notice. Some failures add extension members — `fields` on validation errors, `retry_after` on 429s, `credits_used`/`credits_remaining` on billing-adjacent failures — documented on the responses that carry them. required: - type - title - status - code properties: type: type: string format: uri description: Stable documentation URI for this failure. examples: - https://iotools.cloud/docs/errors/invalid_api_key title: type: string description: Short human-readable summary of the failure. examples: - Invalid API key status: type: integer description: HTTP status code, matching the response's own status. code: type: string description: >- Stable machine-readable error code — branch on this, not `title`. enum: - invalid_api_key detail: type: string description: Human explanation of this occurrence. request_id: type: string description: Correlation id, also sent as x-request-id. example: type: https://iotools.cloud/docs/errors/invalid_api_key title: Invalid API key status: 401 code: invalid_api_key detail: 'Provide ''Authorization: Bearer ''.' request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11 InsufficientCredits: description: Monthly credit allowance exhausted. content: application/problem+json: schema: type: object description: >- RFC 9457 problem document, served as application/problem+json. Branch on `code`; `title` is human prose and may be reworded without notice. Some failures add extension members — `fields` on validation errors, `retry_after` on 429s, `credits_used`/`credits_remaining` on billing-adjacent failures — documented on the responses that carry them. required: - type - title - status - code properties: type: type: string format: uri description: Stable documentation URI for this failure. examples: - https://iotools.cloud/docs/errors/insufficient_credits title: type: string description: Short human-readable summary of the failure. examples: - Insufficient credits status: type: integer description: HTTP status code, matching the response's own status. code: type: string description: >- Stable machine-readable error code — branch on this, not `title`. enum: - insufficient_credits detail: type: string description: Human explanation of this occurrence. request_id: type: string description: Correlation id, also sent as x-request-id. credits_used: type: integer description: Always 0 — a refused call charges nothing. credits_remaining: type: integer description: Credits left in the allowance — fewer than this call costs. example: type: https://iotools.cloud/docs/errors/insufficient_credits title: Insufficient credits status: 402 code: insufficient_credits detail: This call costs 1 credit and 0 remain in this month's allowance. request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11 credits_used: 0 credits_remaining: 0 ToolNotAllowed: description: Tool exists but has no API surface. content: application/problem+json: schema: type: object description: >- RFC 9457 problem document, served as application/problem+json. Branch on `code`; `title` is human prose and may be reworded without notice. Some failures add extension members — `fields` on validation errors, `retry_after` on 429s, `credits_used`/`credits_remaining` on billing-adjacent failures — documented on the responses that carry them. required: - type - title - status - code properties: type: type: string format: uri description: Stable documentation URI for this failure. examples: - https://iotools.cloud/docs/errors/tool_not_allowed title: type: string description: Short human-readable summary of the failure. examples: - Tool not available over the API status: type: integer description: HTTP status code, matching the response's own status. code: type: string description: >- Stable machine-readable error code — branch on this, not `title`. enum: - tool_not_allowed detail: type: string description: Human explanation of this occurrence. request_id: type: string description: Correlation id, also sent as x-request-id. example: type: https://iotools.cloud/docs/errors/tool_not_allowed title: Tool not available over the API status: 403 code: tool_not_allowed detail: >- "Background Remover" is available on iotools.cloud but has no API endpoint. request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11 ToolNotFound: description: No such tool. content: application/problem+json: schema: type: object description: >- RFC 9457 problem document, served as application/problem+json. Branch on `code`; `title` is human prose and may be reworded without notice. Some failures add extension members — `fields` on validation errors, `retry_after` on 429s, `credits_used`/`credits_remaining` on billing-adjacent failures — documented on the responses that carry them. required: - type - title - status - code properties: type: type: string format: uri description: Stable documentation URI for this failure. examples: - https://iotools.cloud/docs/errors/tool_not_found title: type: string description: Short human-readable summary of the failure. examples: - Tool not found status: type: integer description: HTTP status code, matching the response's own status. code: type: string description: >- Stable machine-readable error code — branch on this, not `title`. enum: - tool_not_found detail: type: string description: Human explanation of this occurrence. request_id: type: string description: Correlation id, also sent as x-request-id. example: type: https://iotools.cloud/docs/errors/tool_not_found title: Tool not found status: 404 code: tool_not_found detail: No tool with that slug. See GET /v1/tools/list. request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11 PayloadTooLarge: description: Body too large. content: application/problem+json: schema: type: object description: >- RFC 9457 problem document, served as application/problem+json. Branch on `code`; `title` is human prose and may be reworded without notice. Some failures add extension members — `fields` on validation errors, `retry_after` on 429s, `credits_used`/`credits_remaining` on billing-adjacent failures — documented on the responses that carry them. required: - type - title - status - code properties: type: type: string format: uri description: Stable documentation URI for this failure. examples: - https://iotools.cloud/docs/errors/payload_too_large title: type: string description: Short human-readable summary of the failure. examples: - Payload too large status: type: integer description: HTTP status code, matching the response's own status. code: type: string description: >- Stable machine-readable error code — branch on this, not `title`. enum: - payload_too_large detail: type: string description: Human explanation of this occurrence. request_id: type: string description: Correlation id, also sent as x-request-id. example: type: https://iotools.cloud/docs/errors/payload_too_large title: Payload too large status: 413 code: payload_too_large detail: Request body exceeds this tool's size limit. request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11 RateLimited: description: Per-minute rate limit exceeded. headers: Retry-After: description: Seconds to wait before retrying (RFC 9110 delta-seconds). schema: type: integer content: application/problem+json: schema: type: object description: >- RFC 9457 problem document, served as application/problem+json. Branch on `code`; `title` is human prose and may be reworded without notice. Some failures add extension members — `fields` on validation errors, `retry_after` on 429s, `credits_used`/`credits_remaining` on billing-adjacent failures — documented on the responses that carry them. required: - type - title - status - code properties: type: type: string format: uri description: Stable documentation URI for this failure. examples: - https://iotools.cloud/docs/errors/rate_limited title: type: string description: Short human-readable summary of the failure. examples: - Rate limit exceeded status: type: integer description: HTTP status code, matching the response's own status. code: type: string description: >- Stable machine-readable error code — branch on this, not `title`. enum: - rate_limited detail: type: string description: Human explanation of this occurrence. request_id: type: string description: Correlation id, also sent as x-request-id. retry_after: type: integer description: >- Seconds until the window resets — the same value as the `Retry-After` header. example: type: https://iotools.cloud/docs/errors/rate_limited title: Rate limit exceeded status: 429 code: rate_limited detail: Too many requests. Retry in 30s. request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11 retry_after: 30 ToolFailed: description: Tool failed to run. content: application/problem+json: schema: type: object description: >- RFC 9457 problem document, served as application/problem+json. Branch on `code`; `title` is human prose and may be reworded without notice. Some failures add extension members — `fields` on validation errors, `retry_after` on 429s, `credits_used`/`credits_remaining` on billing-adjacent failures — documented on the responses that carry them. required: - type - title - status - code properties: type: type: string format: uri description: Stable documentation URI for this failure. examples: - https://iotools.cloud/docs/errors/processing_error - https://iotools.cloud/docs/errors/internal_error title: type: string description: Short human-readable summary of the failure. examples: - Tool failed to run - Internal error status: type: integer description: HTTP status code, matching the response's own status. code: type: string description: >- Stable machine-readable error code — branch on this, not `title`. enum: - processing_error - internal_error detail: type: string description: Human explanation of this occurrence. request_id: type: string description: Correlation id, also sent as x-request-id. credits_used: type: integer description: >- Always 0 on `processing_error` — a failed run is refunded, floor included. credits_remaining: type: integer description: >- Credits left after the refund. Absent when metering is disabled. example: type: https://iotools.cloud/docs/errors/processing_error title: Tool failed to run status: 500 code: processing_error detail: The tool failed to run. Please try again. request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11 credits_used: 0 ToolDisabled: description: Tool temporarily disabled. content: application/problem+json: schema: type: object description: >- RFC 9457 problem document, served as application/problem+json. Branch on `code`; `title` is human prose and may be reworded without notice. Some failures add extension members — `fields` on validation errors, `retry_after` on 429s, `credits_used`/`credits_remaining` on billing-adjacent failures — documented on the responses that carry them. required: - type - title - status - code properties: type: type: string format: uri description: Stable documentation URI for this failure. examples: - https://iotools.cloud/docs/errors/tool_disabled - https://iotools.cloud/docs/errors/api_unconfigured title: type: string description: Short human-readable summary of the failure. examples: - Tool temporarily disabled - API not configured status: type: integer description: HTTP status code, matching the response's own status. code: type: string description: >- Stable machine-readable error code — branch on this, not `title`. enum: - tool_disabled - api_unconfigured detail: type: string description: Human explanation of this occurrence. request_id: type: string description: Correlation id, also sent as x-request-id. example: type: https://iotools.cloud/docs/errors/tool_disabled title: Tool temporarily disabled status: 503 code: tool_disabled detail: This tool is temporarily unavailable. Try again shortly. request_id: e4042b29-8f1e-4c7a-9b52-6f0d1a3c7e11 securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: iot_live_… ````