Net Worth Calculator

Assets Minus Liabilities

Assets

Cash & Savings ($)

Investments ($)

Retirement Accounts ($)

Real Estate Value ($)

Vehicles ($)

Other Assets ($)

Liabilities

Mortgage Balance ($)

Auto Loans ($)

Student Loans ($)

Credit Card Debt ($)

Other Debts ($)

Net Worth

Enter your assets and liabilities to see your net worth.

Validation Error

Enter at least one asset or liability value.

Understanding Net Worth

Net worth is the single most useful number for tracking your overall financial health over time -- everything you own, minus everything you owe.

Assets Minus Liabilities

Net worth = total assets − total liabilities. A positive number means you own more than you owe; a negative number means the reverse.

Track the Trend, Not the Snapshot

A single net worth number matters less than whether it's growing over time. Recalculate quarterly or yearly to see your trajectory.

Real Estate Is Illiquid

Your home's value counts toward net worth, but it's not spendable cash -- some people track "liquid net worth" (excluding real estate and retirement accounts) separately.

Private & Local

This calculator runs entirely in your browser -- nothing you enter is stored or transmitted anywhere.

Worked Example

Suppose your assets and debts total:

Total assets: $10,000 cash + $25,000 investments + $40,000 retirement + $300,000 home + $15,000 vehicle = $390,000.
Total liabilities: $220,000 mortgage + $8,000 auto loan + $15,000 student loan + $2,000 credit card = $245,000.
Net worth: $390,000 − $245,000 = $145,000.

Summary

Assets: $390,000
Liabilities: $245,000
Net Worth: $145,000

Key Takeaways

A Snapshot, Not a Score: Net worth can be negative, especially early in a career with student debt -- that's normal and expected to improve over time.
Use Current Values: Estimate real estate and vehicles at today's fair market value, not what you originally paid.
Recalculate Regularly: Revisit this calculator quarterly or annually to track whether your net worth is trending up.