Net Worth Calculator
Add up everything you own and subtract everything you owe. Track this number once a quarter and you have an honest picture of whether you're getting wealthier.
Assets (what you own)
Liabilities (what you owe)
Asset breakdown
Liability breakdown
This calculator is for informational purposes only and does not constitute financial advice. Results are estimates based on inputs you provide. Consult a qualified financial advisor before making financial decisions.
Net worth is the bottom line of your personal balance sheet. Track it quarterly and you'll know whether your strategy is actually working — far more reliable than tracking income alone, which can stay flat while debt secretly grows.
The net worth formula
Net Worth = Total Assets − Total Liabilities. Assets include cash, investments, retirement accounts, the current market value of real estate and vehicles, and other valuables (business equity, jewelry, collectibles). Liabilities include mortgages, auto loans, student loans, credit-card balances, and any other debt.
When to use this calculator
Run it once a quarter — not monthly (too noisy with market fluctuations) and not annually (too infrequent to catch problems early). Track the trend more than the absolute number. A negative net worth is normal in your 20s after college and a starter mortgage; the goal is consistent positive trajectory.
Worked example
A typical mid-career household: $5K cash, $25K brokerage, $50K 401(k), $350K home, $15K cars = $445K assets. $280K mortgage, $8K auto loan, $12K student loans, $3K credit cards = $303K liabilities. Net worth: $142K. The mortgage and auto loan are productive (they're tied to assets); the credit cards are pure drag — pay them off first.