Net Worth Calculator
Net worth is the single number that summarizes your financial health: everything you own minus everything you owe. Enter your assets and debts below and this net worth calculator does the subtraction for you.
Enter your numbers
Assets (what you own)
Liabilities (what you owe)
Your results
Estimate only. Use current market values for your home and vehicles, and enter full remaining loan balances, not monthly payments.
How to use this calculator
List everything you own under assets and everything you owe under liabilities. The calculator totals each side and subtracts, updating instantly as you type.
Worked example: assets of $15,000 + $40,000 + $85,000 + $320,000 total $460,000; liabilities of $240,000 + $12,000 + $3,500 total $255,500 — giving a net worth of $204,500.
How it works
Net worth = total assets − total liabilities. Each side is a simple sum of the fields above, so the result is exactly what you would get adding it up on paper.
This is an estimate: home and vehicle values fluctuate, and investment balances change daily. A negative net worth is common early in a mortgage — the useful signal is the direction of the trend over time, not any single snapshot.
Frequently asked questions
What is net worth?
Net worth is everything you own (assets) minus everything you owe (liabilities). A positive number means your assets outweigh your debts; a negative number means the opposite.
What should I include as assets?
Include cash, savings, investments, retirement accounts, and the current market value of your home, vehicles, and other valuable property.
Should I include my mortgage in liabilities?
Yes. Include the full remaining balance of your mortgage, car loans, credit card debt, student loans, and any other debts you owe.
How often should I check my net worth?
Once or twice a year is plenty for most people. The trend matters more than any single snapshot, so compare against your previous numbers.