Net Worth Calculator
Calculate your total net worth by listing your assets and liabilities. See your financial snapshot instantly.
Assets
What you ownLiabilities
What you oweTOTAL ASSETS
TOTAL LIABILITIES
NET WORTH
What is Net Worth Calculator?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the single most comprehensive measure of your financial health. A positive net worth means your assets exceed your debts; a negative net worth means you owe more than you own. Tracking your net worth over time shows whether you are building or losing wealth.
How to use
- 1 Enter all your assets — cash, investments, property, vehicles, and other valuables.
- 2 Enter all your liabilities — mortgage balance, car loans, credit card debt, student loans, and other debts.
- 3 The calculator instantly shows your total assets, total liabilities, and net worth.
- 4 Use the + buttons to add custom categories.
- 5 Review the breakdown to see where your wealth is concentrated and where debts are heaviest.
Formula
Example calculation
Assets: $320,000 home + $85,000 investments + $12,000 car + $8,000 cash = $425,000. Liabilities: $210,000 mortgage + $9,000 car loan + $4,500 credit cards = $223,500. Net Worth = $425,000 − $223,500 = $201,500.
Frequently asked questions
What is a good net worth by age?
A common benchmark is to have a net worth equal to your annual salary by age 30, 3× by 40, 6× by 50, and 8× by 60. These are rough guidelines — what matters most is consistent growth year over year.
Should I include my home as an asset?
Yes. Your home's current market value is an asset, and your mortgage balance is a liability. The difference (home equity) is what contributes to your net worth.
How often should I calculate my net worth?
Quarterly or annually is sufficient for most people. Tracking it more frequently can be motivating but monthly swings in investment values can be noisy and misleading.
Why is my net worth negative?
Negative net worth is common early in life, especially with student loans or a new mortgage. The goal is consistent improvement — reducing debt and growing assets over time.
Do I include retirement accounts?
Yes, include the current balance of 401(k), IRA, and pension accounts as assets. They are part of your total wealth even if you cannot access them immediately.