Net Worth Calculator
Add up what you own and what you owe to see your net worth, plus a visual breakdown of where it's concentrated. Free, instant, no signup required.
Assets — what you own
Liabilities — what you owe
Your net worth
$0
Total assets minus total liabilities
Assets vs. liabilities
Where your assets are
- Cash0%
- Investments0%
- Property0%
- Vehicles0%
- Other0%
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Start freeHow to calculate net worth
Net worth is the simplest possible summary of your finances: Net worth = Total assets − Total liabilities. Assets are everything you own that has monetary value — cash, investment and retirement accounts, the current market value of property, vehicles, and anything else worth something if you sold it. Liabilities are everything you owe — mortgage balance, loans, credit card debt.
Use current market value for assets, not what you originally paid — a house or car is usually worth something different today than at purchase. Use outstanding balance for liabilities, not the original loan amount. Home equity isn't a separate line item; it falls out automatically once you enter your property's value as an asset and your mortgage balance as a liability.
A single net worth number matters less than the trend. Recalculating every quarter or twice a year and watching the direction it moves is far more useful than obsessing over any one snapshot, especially since investment and property values fluctuate on their own.
Frequently asked questions
What is net worth?
Net worth is what you own minus what you owe: total assets (cash, investments, property, vehicles, and anything else of value) minus total liabilities (mortgage, loans, credit card debt, and other money you owe). It's a single number that summarizes your overall financial position at a point in time.
What counts as an asset?
Anything you own that has monetary value: cash and savings account balances, investment and retirement accounts, the current market value of real estate you own, vehicles, and other valuables like jewelry or collectibles. Use current market value, not what you originally paid.
What counts as a liability?
Any debt you owe: mortgage balance, auto loans, student loans, credit card balances, personal loans, and any other money you're obligated to pay back. Use the current outstanding balance, not the original loan amount.
Does net worth include home equity?
Yes, indirectly. Your home's current market value counts as an asset, and your remaining mortgage balance counts as a liability — the difference between the two is your home equity, and it flows into your overall net worth automatically when you enter both figures.
Is a negative net worth bad?
It's common, especially earlier in life or shortly after taking on a mortgage or student loans, and it isn't a verdict on your finances by itself. What matters most is the direction it's moving — a negative but improving net worth is a healthy trajectory.