Net Worth Calculator
Your net worth is the single clearest snapshot of your financial health: everything you own minus everything you owe. Fill in what you have and what you owe, and we'll do the math — nothing is saved or sent anywhere.
Your assets and debts
Estimates are fine — leave anything that doesn't apply at 0.
Assets vs. liabilities
The gap between the two is your net worth.
How net worth works
Net worth is everything you own minus everything you owe. Your assets are things of value — cash, investments, your home, your car — and your liabilities are your debts — mortgage, loans, credit-card balances. Subtract one from the other and you get a single number that captures your overall financial position better than income, salary, or any account balance on its own.
It's normal for the number to be small — or even negative — early in life, especially with student loans and few assets. What matters far more than the figure itself is the direction: tracking your net worth every few months shows whether your financial decisions are actually building wealth over time.
The formula
Worked example (the defaults above):
- Assets: $10,000 cash + $50,000 investments + $350,000 home + $25,000 vehicles + $5,000 other = $440,000.
- Liabilities: $250,000 mortgage + $15,000 auto + $20,000 student + $5,000 cards = $290,000.
- Net worth = $440,000 − $290,000 = $150,000.
How to grow your net worth
- Pay down high-interest debt. Every dollar of credit-card or loan balance you erase raises net worth dollar-for-dollar — and stops the interest working against you.
- Invest consistently. Retirement and brokerage contributions turn income into assets that compound. See the compound interest calculator.
- Build home equity. Each mortgage payment shifts value from the liability column to the asset column.
- Avoid lifestyle creep. Net worth grows when assets rise faster than debts — spending raises neither.
Glossary
- Net worth
- Total assets minus total liabilities — your overall financial position in one number.
- Assets
- Things you own that have value: cash, investments, real estate, vehicles, valuables.
- Liabilities
- What you owe: mortgages, loans, credit-card balances and other debts.
- Home equity
- Your home's value minus the mortgage balance — the portion of the home you actually own.
- Liquid net worth
- Net worth counting only assets you could readily turn into cash, usually excluding your home.
Frequently asked questions
How do I calculate my net worth?
Total up everything you own (cash, investments, home, vehicles, other assets) for total assets, then total everything you owe (mortgage, loans, credit cards) for total liabilities. Net worth = total assets − total liabilities.
What is a good net worth?
There's no universal number — it depends on age, income and location. Far more useful is tracking your own net worth over time and aiming for steady growth toward your goals. The trend matters more than the figure.
Can net worth be negative?
Yes, and it's common early on — large student loans against few assets can put you below zero. That's normal; the goal is to move it upward over time.
Should I include my home in net worth?
Yes — count your home's market value as an asset and the remaining mortgage as a liability. The difference is your home equity. Some people also track "liquid net worth" that leaves the home out.
How often should I check my net worth?
Quarterly or yearly is plenty. Net worth moves slowly, so checking too often just adds noise — the value is in the long-term trend.
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