Net Worth Calculator
Add up what you own and subtract what you owe to see your net worth, the clearest single number for your financial health.
How it's calculated
Net worth is the single clearest snapshot of your finances. It is everything you own, your assets, minus everything you owe, your liabilities. Track it once or twice a year and the trend tells you more than any single number, since a rising net worth means you are building wealth even when the monthly budget feels tight.
Take the default. Assets of $20,000 in cash, $80,000 invested, $150,000 in retirement, a $400,000 home, and $10,000 of other assets add up to $660,000. Against that, a $250,000 mortgage, $30,000 in student loans, $15,000 on a car, and $5,000 of credit card debt total $300,000. Net worth is the difference, $360,000.
Do not be discouraged by a low or even negative number early on. Student loans and a new mortgage can put many people in the red for years. What matters is the direction. Paying down debt and adding to savings both push net worth up, and watching it climb is one of the best ways to stay motivated.
Assumptions
- Net worth is your total assets minus your total liabilities, both entered at their current value.
- Home and other assets are entered at market value. Nothing you type is stored or sent anywhere.
Last updated: 2026-08-08
These assumptions follow our general methodology.
Frequently asked questions
What is net worth?
Everything you own minus everything you owe. Add up your cash, investments, retirement accounts, home, and other assets, then subtract your debts like a mortgage, student loans, and credit cards. The result is your net worth.
What should I include as assets?
Anything with real resale value. Cash and savings, investment and retirement accounts, your home, and larger items like a car or business equity. Skip small personal items, which are hard to value and add little.
Is a negative net worth bad?
Not necessarily, especially early on. A big student loan or a new mortgage can outweigh your assets for years. The trend matters more than the level. As long as it is rising over time, you are moving in the right direction.
How often should I check my net worth?
Once or twice a year is plenty. Checking too often just captures market noise. An annual snapshot shows the real trend and keeps the number from swinging your mood with the market.