Net worth calculator
Net worth is everything you own minus everything you owe - a single number that condenses a scattered set of accounts, balances, and property values into one snapshot. Enter what applies to you; every field is optional, so leave out anything that doesn’t fit your situation.
How the math works
The calculator sums every asset field entered, sums every liability field entered, and subtracts one total from the other. That’s the whole formula - assets minus liabilities equals net worth. A negative result simply means liabilities currently outweigh assets, which is common early in a career or right after a home purchase, and it says nothing on its own about the direction things are heading.
Related reading
What is net worth and how do you calculate it covers the concept end to end, and how often should you actually check your net worth addresses the tracking cadence this tool is meant to support - a single reading matters less than the trend across several. If a home is a large share of the total, how does home equity factor into your net worth explains how that piece is typically valued, and does net worth affect your credit score clears up a common point of confusion between the two numbers.
The formula this calculator uses
assets = cash + investments + property + vehicles + other assets
debts = mortgage + loans + card balances + other debts
net worth = assets - debts
What it assumes without asking
- Every figure is what the asset would sell for today, not what it cost
- Debts are current balances, not original amounts
- It is one date. The number means little without a second reading later
One example, computed in full
| Line | Amount |
|---|---|
| Cash | $12,000 |
| Investments | $48,000 |
| Home | $300,000 |
| Vehicles | $15,000 |
| Other assets | $5,000 |
| Total assets | $380,000 |
| Mortgage | $240,000 |
| Other loans | $18,000 |
| Card balances | $3,000 |
| Other debts | $1,000 |
| Total debts | $262,000 |
| Net worth | $118,000 |
| Debt as a share of assets | 68.9% |
What this calculator does not model
- Liquidity. A net worth held almost entirely in a house cannot pay a bill
- Selling costs and tax on any asset you would have to sell
- Future income, which for most people early on is worth far more than the balance sheet is
The guide behind this tool
A number on its own does not tell you what to do with it. A negative figure early on is ordinary, particularly with a student loan or a new mortgage. Good debt against bad debt covers which of the debt lines is worth clearing first.
Sources & further reading
This tool is a general educational estimate, not financial advice. Asset values you enter (like home or vehicle price) are estimates you supply, not appraisals. See our disclaimer.