Net Worth Calculator
Calculate your net worth — everything you own minus everything you owe. List your assets (cash, investments, retirement accounts, home, and vehicles) and your liabilities (mortgage, loans, and credit card debt), and the calculator shows your total net worth along with the asset and debt subtotals.
Net worth is the single clearest measure of financial health. A snapshot is useful, but the real value is tracking it over time: a steadily rising net worth means saving and debt paydown are working.
Assets
Liabilities
Your net worth
$201,000
assets minus what you owe
- Total assets
- $505,000
- Total liabilities
- $304,000
- Net worth
- $201,000
Track this over time — a rising net worth is the single clearest sign your finances are moving in the right direction.
Net worth is a snapshot of what you own minus what you owe. Use current market values for assets (what you could sell them for today) and current payoff balances for debts. It’s a personal-finance estimate, not an appraisal.
Calculation Formulas
Everything you own at its current value (cash, investments, retirement accounts, home, vehicles) minus everything you owe (mortgage, loans, credit cards). The result can be negative, which is normal early on.
Example:
$505,000 in assets and $304,000 in debts is a net worth of $201,000.
Key Figures
| Figure | Value | Description |
|---|---|---|
| Asset values | Current market value | What you could realistically sell each asset for today — not what you paid. |
| Liability values | Current payoff balance | The amount it would take to clear each debt right now. |
Note: Results are estimates for planning purposes. Rates, fees, taxes, and insurance vary by lender and location — confirm exact figures with a licensed professional before making financial decisions.
Standards & Sources
Last verified: August 2026
- Assets minus liabilities
Net worth is the same identity used on a balance sheet: the total value of what you own less what you owe. It’s the single best snapshot of overall financial health.
- Track the trend, not the number
A single figure matters less than its direction over time. Recalculating every few months shows whether saving and debt paydown are moving your net worth up.
- Use honest values
Depreciating assets like cars are often overvalued; include only what you would actually receive on a sale. Retirement accounts are pre-tax, so their spendable value is somewhat lower.
How to Use This Calculator
- Enter the current value of each asset — what you could sell it for today.
- Enter the current payoff balance of each debt you owe.
- Read your net worth, with total assets and total liabilities broken out.
- Save the link and recalculate every few months to watch the trend.
Frequently Asked Questions
How do I calculate my net worth?
Add up the current value of everything you own — cash, investments, retirement accounts, home, and vehicles — then subtract everything you owe, including your mortgage, loans, and credit card balances. The difference is your net worth.
Is it normal to have a negative net worth?
Yes, especially early in life. Student loans and a new mortgage can outweigh savings for years. What matters more than the number is the trend — a negative net worth steadily climbing toward zero and beyond is a sign of good financial progress.
Should I include my home in net worth?
Yes — include your home at its current market value as an asset and the remaining mortgage as a liability, so only your home equity contributes to net worth. Some people also track net worth excluding their home to see their liquid, investable wealth separately.
What is a good net worth?
It depends heavily on age and income, so comparisons are less useful than your own trend over time. A widely cited benchmark is to aim for a net worth of roughly your annual income by 30, three times by 40, and rising from there — but the key habit is simply recalculating regularly and keeping the line moving up.
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