Net Worth Calculator
Add up everything you own and everything you owe to find your true net worth.
The Net Worth Calculator builds a simple personal balance sheet: everything you own (assets) minus everything you owe (liabilities). The result — your net worth — is the single best snapshot of your financial position, and tracking it once or twice a year shows whether you are genuinely building wealth regardless of how the stock market or housing market moves month to month.
The tool starts with sensible categories: cash and bank accounts, investments and retirement accounts, home value, vehicles and other assets on one side; mortgage, auto loans, credit cards, student and personal loans and other debts on the other. Edit any figure — or set one to zero if it does not apply — and the totals and net worth update instantly.
A few notes on what to count: use current market values rather than what you paid (your home and car are worth today's price), include every retirement account but remember some are not accessible without penalty until retirement age, and keep the numbers honest — an optimistic net worth only hurts your own planning. Everything is entered and stored only in your browser.
Assets — what you own
Liabilities — what you owe
Total assets
$385,000.00
Total liabilities
$200,000.00
Net worth
$185,000.00
Assets minus liabilities
Net worth is a snapshot in time — update it a few times a year to watch the trend. Values are entered and processed only in your browser.
How to use the Net Worth Calculator
- Enter the current value of each asset category — cash, investments, home, vehicles and anything else.
- Enter what you still owe on the liability side — mortgage, auto loans, credit cards, student loans and other debts.
- Leave an item at 0 if it does not apply to you.
- Read your total assets, total liabilities and net worth.
- Revisit the same numbers every few months to watch the trend.
Frequently asked questions
What exactly is net worth?
Net worth = total assets − total liabilities. Assets are things you own that have value (cash, investments, property, vehicles); liabilities are debts you owe (mortgage, loans, credit card balances). A positive net worth means your assets exceed your debts; a negative one means the opposite.
Should I include my home and car?
Yes — but at their current market value, not what you paid. Your home value minus the outstanding mortgage is your home equity, a real part of your wealth. Vehicles depreciate fast, so use a realistic current resale value rather than the sticker price.
How is net worth different from income?
Income is what flows in each month or year; net worth is the accumulated result of everything you have kept. Two households with the same income can have wildly different net worths depending on spending, saving and investing habits. That is why net worth is a better long-term scoreboard.
How often should I calculate my net worth?
Most personal-finance experts suggest quarterly or twice a year. Monthly is fine while paying down debt or building a first investment portfolio; anything more frequent than that just adds noise from market swings. Consistency matters more than frequency — always use the same categories so changes are meaningful.
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