Net Worth Calculator
Estimate your personal net worth by comparing assets and liabilities. Track cash, investments, retirement accounts, home equity, vehicles, mortgages, loans, credit cards, and other debts.
Assets
Assets are things you own that have financial value.
Liabilities
Liabilities are debts or obligations you still owe.
Estimated Net Worth
$0
Total Assets
$0
Total Liabilities
$0
Estimated Home Equity
$0
Assets, Liabilities, and Net Worth
Estimated Summary
Asset Breakdown
Liability Breakdown
Net Worth Formula
Net Worth = Total Assets - Total Liabilities
Using your current inputs, that means $0 in estimated assets minus $0 in estimated liabilities, resulting in an estimated net worth of $0.
What Is a Net Worth Calculator?
A net worth calculator helps estimate your overall financial position by comparing what you own with what you owe. Assets may include cash, investments, retirement accounts, real estate, vehicles, and other valuable property. Liabilities may include mortgages, credit cards, student loans, auto loans, personal loans, and other debts.
Net worth is one of the simplest ways to measure financial progress over time. Income can be useful, but income alone does not show how much wealth a person has built. A person with a high income and high debt may have a lower net worth than someone with a moderate income, strong savings habits, and fewer liabilities.
How to Calculate Net Worth
Net worth is calculated by subtracting total liabilities from total assets. If assets are greater than liabilities, net worth is positive. If liabilities are greater than assets, net worth is negative. A negative net worth is common for people with student loans, new mortgages, or early-career debt, and it can improve over time as debt is repaid and assets grow.
For example, if someone has $400,000 in assets and $250,000 in debt, their estimated net worth would be $150,000. If another person has $100,000 in assets and $125,000 in debt, their estimated net worth would be negative $25,000.
What Counts as an Asset?
Assets are items with financial value. Common examples include bank account balances, brokerage accounts, retirement accounts, home equity, vehicles, business ownership, precious metals, and other property that could reasonably be sold or converted into money.
Some assets are easier to value than others. Cash and investment accounts usually have clear balances. Real estate, vehicles, and collectibles often require estimates, and those estimates may differ from actual selling prices.
What Counts as a Liability?
Liabilities are debts or obligations that reduce net worth. Common examples include mortgage balances, auto loans, student loans, credit card balances, medical debt, personal loans, and tax debt. When calculating net worth, it is usually best to include all outstanding debts, even if they have low interest rates.
Why Net Worth Matters
Net worth can help track whether your financial position is improving over time. A rising net worth may indicate that assets are growing, debt is decreasing, or both. A falling net worth may suggest that spending, debt, market declines, or asset value changes are moving in the wrong direction.
Many people calculate net worth monthly, quarterly, or annually. The exact frequency is less important than using a consistent method. Tracking net worth over time can reveal long-term progress that may not be obvious from a checking account balance alone.
Frequently Asked Questions
Should I include my home in net worth?▼
Many people include the estimated value of their home as an asset and the remaining mortgage balance as a liability. This produces an estimate of home equity. However, home values can fluctuate, and selling a home may involve closing costs, taxes, repairs, or commissions.
Should I include my car in net worth?▼
Vehicles can be included if they have resale value, but they often depreciate over time. If you include a vehicle as an asset, it is usually best to use a realistic private-party or trade-in estimate rather than the original purchase price.
Is retirement money part of net worth?▼
Retirement account balances are usually included in net worth. However, some retirement accounts may be subject to taxes, penalties, or withdrawal restrictions. This calculator does not adjust retirement balances for future tax treatment.
How often should I calculate net worth?▼
Monthly, quarterly, or annual tracking can all work. Monthly tracking gives more detail, while quarterly or annual tracking may reduce noise from short-term market changes. The most important part is using the same method consistently.
What is a good net worth?▼
A good net worth depends on age, income, family situation, cost of living, debt level, and financial goals. Rather than comparing to a single number, many people focus on whether their net worth is improving over time.
Can net worth be negative?▼
Yes. Negative net worth means liabilities are greater than assets. This can happen with student loans, credit card debt, new mortgages, or early-career borrowing. Negative net worth can improve as debt is repaid and assets increase.