Money
Net Worth Calculator
Enter the current value of each asset (cash, savings, investments, retirement, home, vehicle) and each liability (mortgage, credit card, student loans, auto, personal, other). The calculator returns total assets, total liabilities, and net worth.
Assets
e.g. 3000
e.g. 10000
e.g. 15000
e.g. 60000
e.g. 350000
e.g. 12000
e.g. 0
Liabilities
e.g. 240000
e.g. 1500
e.g. 18000
e.g. 8000
e.g. 0
e.g. 0
Blank fields count as zero. Use realistic current values (estimated market value for the home and vehicle, current balances for loans).
Net worth
$182,500.00
Assets $450,000.00 − liabilities $267,500.00
Net worth is a single-point snapshot. Tracking it over time (quarterly or annually) often gives a clearer picture of progress than one number. Asset values fluctuate; revisit home, vehicle, and investment estimates periodically.
Examples
Assets $450k · Liabilities $267.5k
Net worth = $182,500
Assets $50k · Liabilities $30k
Net worth = $20,000
Assets $30k · Liabilities $45k
Net worth = -$15,000
How it works
Net worth is the simplest balance-sheet metric. Add up current asset values and subtract total liabilities. Track it over time to see real progress.
Formula · net worth = total assets − total liabilities
Use current market values, not purchase prices. Blank fields count as zero.
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Note. Estimates depend on the values you enter for home equity, vehicles, and investments. Market values fluctuate. Track the trend over time rather than reading too much into any single snapshot.
Frequently asked questions
Net worth is the value of everything you own (assets) minus everything you owe (liabilities). It is a single-point snapshot of financial position. Positive net worth means assets exceed debts; negative means debts exceed assets.
Cash, checking and savings, taxable investments (brokerage accounts), retirement accounts (401k, IRA, Roth), real estate at estimated market value, vehicles at current resale value, and other valuables that could be sold. Use current values, not purchase prices.
Anything you owe: mortgage balance, credit card balances (not credit limits), student loans, auto loans, personal loans, medical debt, and similar. Use current outstanding balance, not the original loan amount.
Quarterly is a good cadence for most people; annually is fine if your situation is steady. The trend matters more than the exact number on any single date. Investment values, home values, and loan balances all move continuously.
There is no universal answer. Net worth depends on age, income, region, family situation, and life choices. Tracking your own trajectory over time is more useful than comparing to averages. Common benchmarks for age and income exist online, but they are rough.
Net worth is a stock (a balance at a point in time). Cash flow is a flow (money coming in and going out over time). Both matter: someone can have high net worth but tight cash flow, or strong cash flow but low net worth if savings haven't accumulated yet.
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