Net Worth Calculator
Calculate your total net worth by tracking all assets and liabilities.
Total Assets
Total Liabilities
Net Worth
Cash & Bank Accounts
Investment Accounts
Real Estate
Personal Property
Other Assets
Liabilities
Mortgages & Home Loans
Loans
Credit Cards & Other Debt
Goals & Progress Tracking
How it works
Net worth is the single clearest snapshot of financial health: everything you own minus everything you owe. Add up your assets (cash, investments, home, car) and subtract your liabilities (mortgage, loans, credit-card balances). The result can be positive or negative, and what matters most is the direction it moves over time.
Net worth
Net worth = Total assets − Total liabilities
- assets
- cash, investments, retirement accounts, property, vehicles
- liabilities
- mortgage, student/auto/personal loans, credit-card debt
Worked example
- Assets: $50k savings/investments + $300k home = $350k
- Liabilities: $200k mortgage + $15k other debt = $215k
- Net worth = 350,000 − 215,000
Net worth = $135,000.
Good to know
- Track it over time — a rising trend means you're building wealth, even if the absolute number feels small.
- Distinguish liquid assets (cash, stocks you can sell) from illiquid ones (home equity) — a high net worth can still be cash-poor.
- Use current market values, not what you paid, and update annually or after major changes.
Related Calculators
Frequently Asked Questions
How do I calculate my net worth?
Net worth = total assets − total liabilities. Add up everything you own of value (cash, investments, retirement accounts, home, vehicles) and subtract everything you owe (mortgage, loans, credit cards). A negative result is common early in life, especially with student loans.
What should I count as assets?
Cash and bank balances, brokerage and retirement accounts, your home and other property at realistic market value, vehicles, and significant valuables. Be conservative with hard-to-sell items — what matters is what they'd actually fetch, not what you paid.
Should my house count toward net worth?
Yes — include the home's market value as an asset and the remaining mortgage as a liability; the difference is your home equity. Many people also track "liquid net worth" separately, excluding the home, since you can't easily spend it without selling or borrowing.
What is a good net worth for my age?
One rough benchmark from The Millionaire Next Door: age × annual pre-tax income ÷ 10. A 40-year-old earning $80,000 would target about $320,000. Treat formulas like this loosely — career stage, location, and household situation matter more than hitting a universal number.
How often should I update my net worth?
Quarterly or annually is plenty. The trend over years is the meaningful signal — month-to-month swings mostly reflect market noise. A steadily rising net worth indicates your saving, investing, and debt payoff are working, regardless of any single month's number.