Net Worth Calculator
Calculate your total net worth from assets and liabilities
Your net worth is what you own minus what you owe. Add up your assets (cash, investments, property) and your liabilities (loans, credit balances) to see where you stand.
Assets
Total: $505,000
Liabilities
Total: $297,000
Net Worth
$208,000
Assets exceed liabilities
How to Use This Calculator
- Review the list of common assets (home, savings, investments, retirement, vehicles) and adjust each value to match yours.
- Do the same for the liabilities list (mortgage, car loans, student loans, credit cards).
- Review your net worth — total assets minus total liabilities.
Why Use This Calculator?
- Taking stock of your overall financial position.
- Tracking progress over time as you pay down debt or build savings.
- Preparing information before meeting a financial advisor.
Real-World Examples
$350,000 assets, $180,000 liabilities
Your net worth is $170,000 — the amount by which your assets exceed your debts.
Assets minus liabilities
Net worth = total assets − total liabilities. If the number is negative, it means your debts are larger than your assets — a signal to focus on paying down debt.
Frequently Asked Questions
What should I include as an asset?
Anything with real value you could convert to cash: bank balances, investments, retirement accounts, and property. Be realistic about what things are worth.
Do I include my home?
Include its estimated market value as an asset and your mortgage balance as a liability. The difference is your equity.
Is a negative net worth bad?
It's common early in adulthood, especially with student loans. The goal is usually to move it upward over time.
Important Disclaimer
A simple planning snapshot. It doesn't value complex assets precisely and isn't financial, tax, or accounting advice.
Privacy
Your entries stay in your browser and aren't stored or transmitted.
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