Net Worth Calculator
Your financial snapshot.
Net Worth Calculator
Net Worth = Assets - Liabilities
Calculated instantly
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What This Calculator Does
The Net Worth Calculator gives you a snapshot of your overall financial health by subtracting everything you owe from everything you own. Tracking net worth over time is the single best way to measure financial progress.
How It Works
Add up all assets: cash, investments, retirement accounts, property value, vehicles. Then subtract all liabilities: mortgages, car loans, student loans, credit card debt. The result is your net worth.
Example
Assets: $150,000 home, $40,000 retirement, $10,000 savings = $200,000. Liabilities: $120,000 mortgage, $25,000 student loans = $145,000. Net worth = $55,000.
Formula
Net Worth = Assets - LiabilitiesReading the Results
Net Worth
Your total wealth. A positive number means assets exceed debts.
Frequently Asked Questions
Is a negative net worth bad?
Not necessarily. Many young adults have negative net worth due to student loans. The trend over time matters most.
How often should I calculate net worth?
Monthly or quarterly. Tracking the trend reveals whether your financial situation is improving.
Should I include my home in net worth?
Yes. Your home is an asset. Include its current market value, not the purchase price.