Net Worth Calculator

Track your financial progress by calculating net worth—the difference between everything you own and everything you owe. Input your total assets and liabilities to see where you stand today and how decisions impact long-term wealth.

Sum cash, investments, retirement accounts, vehicles, real estate equity, and other valuables.
Include mortgages, student loans, credit cards, auto loans, and any other outstanding debt.

Estimates only; consult a financial advisor for personalized advice.

Examples

  • Assets $275,000 minus liabilities $145,000 ⇒ $130,000 net worth
  • Assets $90,000 minus liabilities $110,000 ⇒ -$20,000 net worth
  • Assets $520,000 minus liabilities $360,000 ⇒ $160,000 net worth

FAQ

What counts as an asset?

Include cash, investments, retirement accounts, home equity, vehicles, and valuable personal property you could sell.

Should I include my mortgage?

Yes. Record the remaining balance of your mortgage or any other secured loan under liabilities.

Can net worth be negative?

Yes, when liabilities exceed assets.

How often should I update my net worth?

Update it monthly or quarterly to monitor progress and adjust budgets or savings goals as needed.

Should I include depreciating items like cars?

Yes, but use realistic resale values. Depreciating assets can still contribute to net worth, just be conservative in their valuation.

Additional Information

  • Net worth provides a snapshot of financial health and helps prioritize debt payoff or investment goals.
  • Track net worth over time—monthly or quarterly reviews reveal trends and motivate consistent saving.
  • Separate assets and liabilities into categories (cash, retirement, property, debt) to identify strengths and vulnerabilities.

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