Net Worth Calculator
Your net worth = everything you own minus everything you owe. Enter your numbers below.
This is a quick one-time calculation and won't be saved. Want to track it over time instead? Try the Net Worth Tracker
Your net worth
$0
Assets
What you own: savings, investments, property, vehicles
Liabilities
What you owe: mortgage, loans, credit card balances
Understanding your number
How this net worth calculator works
Net worth is the single clearest measure of overall financial health: total assets minus total liabilities. Add up what you own, everything from cash and retirement accounts to your home's current value, then subtract everything you owe, and what is left is the number.
Positive net worth means your assets outweigh your debts, and growing that number year over year is the actual goal. Negative net worth is common early in life, especially with student loans or a new mortgage. It is a starting point, not a verdict on how things are going.
Why the trend matters more than the number itself
Track this every year, not every month. A single snapshot tells you where you stand today, but the trend tells you whether your decisions are working. Someone with a negative net worth that is shrinking every year is in a fundamentally better position than someone with a small positive number that is stuck or sliding backward.
A rough benchmark some people use: by age 40, aim for a net worth of roughly 2 times annual income; by 50, roughly 4 times. Treat these as loose guides, not rules, since starting point, career, and location change what's realistic by a wide margin.
What to count, and what to leave out
Use current market values for assets, not what you originally paid. A house bought for $250,000 that would sell for $340,000 today counts at $340,000, and a stock portfolio counts at today's price, not your cost basis. On the liabilities side, include the full remaining balance on every loan: mortgage, auto, student, and credit cards, even the ones you plan to pay off soon.
How this is calculated
It totals what you own and subtracts what you owe.
Net worth = the sum of all your assets − the sum of all your liabilities.
What it assumes
- Use current market values for assets, not what you paid.
- A negative result is normal early on, especially with student or home loans.
Frequently asked questions
Should I include my home in my net worth?
Yes, as an asset at its current market value, with any mortgage balance counted as a liability, but many people track net worth with and without home equity separately, since home equity isn't spendable the way investment or cash balances are.
What counts as a liability?
Anything you owe: mortgage balance, auto loans, student loans, credit card balances, and any other personal debt. Only the amount still owed counts, not the original loan amount.
Is negative net worth a bad sign?
Not necessarily, it's common and expected earlier in life, especially with student loans or a recent home purchase. The trend over time matters far more than any single snapshot.
A snapshot based on the values you enter, for your own tracking. This is not financial advice.