Net Worth Calculator
Calculate your net worth in seconds — enter what you own and what you owe to see your complete financial picture.
Net worth = everything you own (assets) minus everything you owe (liabilities). It's the single best snapshot of financial health. Calculate yours now — the number matters less than the trend over time.
Assets — what you own
Cash & savings
Investments
Real estate & property
Personal property
Liabilities — what you owe
Mortgages
Vehicle loans
Consumer debt
Student loans
Other liabilities
Your net worth
Net worth: the fundamental financial metric
Net worth is the single clearest measure of where you stand financially. It's simply everything you own minus everything you owe: your total assets minus your total liabilities. Assets include cash in checking and savings, investments (stocks, ETFs, retirement accounts), the market value of your home and any other property, and vehicles or valuables you could sell. Liabilities are the debts behind those things — your mortgage, auto loans, student loans, personal loans, and credit card balances.
The single number you get today matters far less than how it moves over time. A net worth snapshot is just one data point; the real signal is the trend. Tracking it monthly or quarterly shows whether your habits are building wealth — spending less than you earn, paying down debt, and investing consistently — or quietly eroding it. A rising line, even a slow one, almost always beats a high but stagnant figure.
A positive net worth means your assets outweigh your debts: a healthy sign that you own more than you owe. A negative net worth means your debts exceed your assets, which is common early in adult life thanks to student loans or a new mortgage. It isn't a verdict on your future — what counts is the direction of travel and whether the gap is closing month after month.
- 1Total assets—
- 2Total liabilities—
- 3Net worth = assets − liabilities—
- Assets
- Everything you own that has monetary value: cash, savings, investments, retirement accounts, property, vehicles, and other valuables.
- Liabilities
- Everything you owe: mortgage, auto and student loans, personal loans, and outstanding credit card balances.
- Net worth
- Total assets minus total liabilities — the bottom-line measure of your overall financial position at a given moment.
- Liquid assets
- Cash and assets convertible to cash quickly without significant loss: checking, savings, publicly traded stocks.
- Illiquid assets
- Assets that take time or cost money to convert: real estate, retirement accounts (penalties for early withdrawal), business ownership.
- Debt-to-asset ratio
- What percentage of your assets is funded by debt. Under 50% is generally healthy; above 80% indicates financial vulnerability.
🔢 Worked example
With $350,000 in assets and $140,000 in liabilities, net worth = $210,000. The debt-to-asset ratio is 40% — under 50%, generally considered healthy.
Frequently asked questions
What is net worth?
What is a good net worth for my age?
Should I include home equity?
What if my net worth is negative?
Should I include my home in net worth?
How often should I calculate my net worth?
Are my results saved? Do I need an account?
How do I track my progress over time?
About this calculator
This net worth calculator adds up everything you own (assets) and subtracts everything you owe (liabilities) to give you a complete snapshot of your financial life in seconds. It is the most honest measure of financial health — more revealing than monthly income alone, because it captures what you have actually kept.
The math is simple: total assets minus total liabilities. The tool separates cash, investments, real estate, and vehicles from mortgages, loans, and credit card debt, then shows your debt load and the composition of your wealth. Recalculate every month — what matters is not today’s number but the direction it moves over time.