Net Worth Calculator
Enter what you own and what you owe to get your net worth (assets minus debts). Tracking it regularly shows which way your finances are heading.
How it works
How to read your result
Net worth is total assets − total debts. A positive figure means you own more than you owe; a negative one is common early on and not a crisis. What counts most is which direction the number moves month over month.
A quick worked example
Say you have $10,000 in cash, $30,000 in investments, and no property: that is $40,000 in total assets. Subtract $15,000 of debt and your net worth is $25,000. As long as you measure assets and debts on the same basis, the math stays this simple.
One thing to keep in mind
The trend over time tells you far more than a single snapshot. If you list a home at market value as an asset, include the remaining mortgage as a debt so both sides match. It also helps to separate liquid net worth — what you could access quickly — from total net worth, which includes property and retirement accounts.
Read next
How to calculate and track your net worth →
Frequently Asked Questions
Is a negative net worth a problem?
It is common early on thanks to student loans or a mortgage. What matters is the trend — whether it climbs over time — not the absolute number.
Should I include the home I live in?
You can, but then include the remaining mortgage as a debt to stay accurate. Some people instead count only the home equity (value minus mortgage).
How often should I calculate it?
Monthly or quarterly is plenty. The key is recording it consistently on the same basis.
How do I value a car or other depreciating assets?
Use what you could sell it for today — its resale value — not the price you paid. Items that lose value over time should be entered conservatively and on the same basis each time.
Do retirement accounts count toward net worth?
Yes — balances held in your name belong in investments. Just remember that early withdrawals may trigger taxes or penalties, so that money is not the same as cash on hand.
What is the difference between net worth and income?
Income is the money flowing in each month, while net worth is the balance you have built up. A high income does not raise net worth if it all gets spent.
This calculator is an educational tool, not individual financial advice.