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.
Limits and assumptions
This is a snapshot. Every asset and liability you enter is summed at face value, and the result is the difference. Each category's share of total assets or total liabilities is shown as a whole-number percentage, and categories left at zero are omitted from the breakdown.
Nothing is projected forward and nothing is adjusted. A house or a car counts the same as cash, debts count at today's balance regardless of interest rate, and tax that would be due on selling an asset or withdrawing from a pre-tax retirement account is not deducted. A negative total is shown as a negative number.
Frequently asked questions
What is net worth?
Net worth is the total dollar value of everything you own (assets) minus everything you owe (liabilities). It's the single best summary number for your overall financial health.
How do I calculate my net worth?
List every asset (cash, investments, retirement accounts, real estate, vehicles) and every liability (mortgage, auto loans, student loans, credit cards). Sum each side, then subtract liabilities from assets.
What's a good net worth for my age?
Common benchmarks: 1× annual salary by 30, 3× by 40, 6× by 50, 10× by retirement. These are guideposts, not requirements — context (income, location, kids, debt level) varies hugely.
Should I include my house in net worth?
Yes — at current market value, with the remaining mortgage as a separate liability. The home is an asset; the mortgage is a debt against it. Both belong on the balance sheet.