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Net Worth Calculator

Calculate your net worth by entering your total assets and total liabilities.

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How It Works

How to calculate net worth

Net worth is calculated as: Net Worth = Total Assets − Total Liabilities. Assets include things like cash, savings, investments, retirement accounts, and property value. Liabilities include debts like mortgages, loans, and credit card balances.

Why tracking net worth matters

Unlike income or a single account balance, net worth gives a complete picture of financial position by combining everything you own and everything you owe. Tracking it over time, rather than as a single snapshot, is generally more useful for understanding financial progress.

Frequently Asked Questions

What counts as an asset?

Common assets include cash, bank account balances, investments, retirement accounts, real estate value, and vehicle value.

What counts as a liability?

Common liabilities include mortgage balances, car loans, student loans, credit card debt, and any other money owed.

Is a negative net worth unusual?

It's common, particularly earlier in life or after taking on debt like a mortgage or student loans. Net worth typically shifts over time as assets grow and debts are paid down.

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