Net Worth Calculator
Your net worth is the difference between what you own (assets) and what you owe (liabilities). It's one of the most important indicators of your financial health and progress toward long-term goals like retirement, homeownership, or financial independence.
Use this calculator to list all your assets — such as savings, investments, real estate, and vehicles — alongside your liabilities like mortgages, student loans, and credit card debt. The calculator instantly computes your total assets, total liabilities, and overall net worth.
How it works
Net Worth = Total Assets − Total Liabilities. A positive net worth means you own more than you owe; a negative net worth means you owe more than you own.
Use cases
- Tracking personal financial health over time
- Setting and monitoring progress toward financial independence goals
- Preparing for a loan application by understanding your full financial picture
- Evaluating whether to prioritize debt repayment or saving and investing
Frequently asked questions
How do I calculate my net worth?
Add up everything you own — cash, savings, investments, retirement accounts, real estate, vehicles — then add up everything you owe, such as mortgage balances, car loans, student loans, and credit card debt. Your net worth is total assets minus total liabilities. This calculator does the arithmetic for you as you add each row.
What counts as an asset when calculating net worth?
An asset is anything of monetary value you own: bank balances, brokerage and retirement accounts, home equity items like real estate at market value, vehicles, and valuable possessions such as jewelry or collectibles. Use current market values, not what you originally paid, for the most accurate snapshot.
Is it normal to have a negative net worth?
Yes, especially early in adulthood. Recent graduates with student loans or new homeowners with large mortgages often owe more than they own. A negative net worth is not a crisis by itself — what matters is the trend. Paying down debt and building savings should move the number upward over time.
How often should I calculate my net worth?
Once a quarter or twice a year is enough for most people. Net worth moves slowly, so checking monthly can create noise from market fluctuations. Tracking it on a consistent schedule lets you see the long-term trend, which is the real indicator of financial progress.
Should I include my home and car in my net worth?
Yes — include the current market value of your home as an asset and the remaining mortgage as a liability; the difference is your home equity. Cars belong too, though they depreciate, so use a realistic resale value. Some people also compute a liquid net worth excluding the home to see funds they could actually access.