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Net Assets

Net assets is the difference between total assets and total liabilities — it's what your business is worth on paper. For nonprofits, net assets replace the concept of equity or retained earnings.

Net Assets Definition

Net assets = Total Assets – Total Liabilities. It represents the residual value of your business after all debts are paid. In for-profit businesses, this is called equity or owner's equity. In nonprofits, it's called net assets.

Net Assets for Nonprofits

Nonprofits categorize net assets into two groups (per ASU 2016-14):

  • Without donor restrictions — funds the organization can use for any purpose
  • With donor restrictions — funds that must be used for a specific purpose or time period designated by the donor
  • Why Net Assets Matter

  • Positive net assets = your organization is solvent
  • Negative net assets = liabilities exceed assets (financial distress)
  • Growing net assets over time = healthy financial trajectory
  • Funders and grantors examine net assets to assess organizational stability
  • How Net Assets Show Up in QuickBooks

    On a QuickBooks balance sheet, net assets appear in the equity section. For nonprofits using QBO, you may need to customize the equity section to properly separate restricted and unrestricted net assets.

    FAQ

    Q: Are net assets the same as cash?

    A: No. Net assets include all assets (cash, receivables, property, equipment) minus all liabilities. You can have high net assets but low cash if your value is tied up in property or receivables.

    Related Terms

  • Balance Sheet
  • Equity
  • Restricted Fund
  • Total Assets
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    Related Terms

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