Net Worth Calculator
Add up your assets and subtract your debts to find your net worth.
Formula
About this calculator
Your net worth is the single clearest measure of your overall financial health: everything you own minus everything you owe. A net worth calculator adds up your assets — cash, investments, retirement accounts, property and vehicles — then subtracts your liabilities, such as your mortgage, car and student loans and credit card balances, to give one honest bottom-line number.
The calculation itself is straightforward subtraction, but the value lies in seeing the full picture in one place. Grouping assets and debts into clear line items shows not just the total but its composition — how much sits in liquid savings versus tied up in property, and how much of your gross wealth is offset by debt. That balance often matters more than the headline figure.
A negative net worth is common and not a cause for alarm on its own; recent graduates with student loans or new homeowners early in a mortgage frequently start below zero. What matters is the trend. Recalculating every few months turns net worth into a progress bar for your financial life, showing whether saving, investing and paying down debt are moving the number in the right direction.
Every figure comes from what you enter, so accuracy depends on realistic values — use current market values for investments and property and up-to-date balances for loans. Nothing is stored or transmitted; the calculation runs entirely in your browser, so you can enter real numbers privately.
Frequently asked questions
How do you calculate net worth?
Net worth is your total assets minus your total liabilities. Add up everything you own (cash, investments, property, vehicles) and subtract everything you owe (mortgage, loans, credit card debt).
What counts as an asset?
Anything of value you own: cash and savings, investment and retirement accounts, real estate, vehicles, and other valuables. Use current market values, not what you originally paid.
Is a negative net worth bad?
Not necessarily. It's common early on — for example with student loans or a new mortgage. What matters most is whether your net worth trends upward over time as you save and pay down debt.
How often should I calculate net worth?
Every three to twelve months is enough for most people. Tracking it periodically shows whether your saving, investing and debt-payoff efforts are moving the number in the right direction.
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⚠️ This tool totals the figures you enter and is for personal planning only, not financial advice. Asset values are estimates — confirm balances with your account statements.