Physical Asset Net Worth Calculator

Add up the current market value of all your assets — precious metals (at spot price times your ounces), real estate (estimated market value), and cash holdings. This gives you your gross physical asset net worth. Unlike paper portfolios, physical assets provide direct ownership without counterparty risk.

Use spot price for a conservative estimate. Your metals' actual liquidation value depends on the dealer you sell to, which typically means spot minus a small spread for common bullion, or spot plus a premium for numismatic coins. Spot price gives you a reliable baseline.

Physical assets — gold, silver, real estate, and cash — behave differently from paper assets like stocks and bonds. They provide inflation protection, privacy, and direct ownership. Tracking them separately helps you understand your true hard asset position and how it relates to your overall financial picture.

This depends on your goals and risk tolerance. Many financial advisors suggest 5-15% in precious metals for diversification. Sovereignty-minded investors may go higher. Real estate typically represents the largest physical asset for most people. The key is having enough tangible wealth to provide stability regardless of financial system conditions.

You can add your real estate at its estimated market value. For a true net worth calculation, you'd subtract any mortgage balance. This calculator focuses on asset values — for a complete picture, consider your equity (value minus debt) in each property.

Precious metals prices change daily, so your metals value fluctuates. Monthly or quarterly reviews are sufficient for most people. For automated daily tracking with price updates, StackWorth's dashboard does this automatically for your entire metals portfolio.