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Net worth calculator

Net Worth Calculator

Add your assets, subtract your liabilities, and see your total net worth instantly. Track financial progress over time with a clear visual breakdown of what you own versus what you owe.

Calculator inputs

Track assets and liabilities

Assets

Cash & savings

Checking, savings, money market.Investments

Brokerage stocks, ETFs, mutual funds.Retirement accounts

401(k), IRA, Roth IRA, pension.Real estate

Estimated market value of home or property.Vehicles

Approximate market value of car or other vehicles.Other assets

Collectibles, business equity, jewelry.

Liabilities

Mortgage balance

Remaining principal on home loan.Credit card debt

Total revolving balances.Student loans

Outstanding student loan balance.Auto loans

Remaining car or vehicle loan balance.Other debts

Personal loans, medical bills, family loans.

Live calculation note

Net worth updates instantly as you type. Empty or negative entries are treated as $0. For accurate tracking, update your home value, investments, and debt balances at least every 3 months.

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Learn

How a net worth calculator helps you measure progress

Net worth is the single best summary number in personal finance. It captures everything you own and everything you owe in one figure. A net worth calculator makes this easy by letting you enter each asset and liability in clearly labeled categories, then doing the math for you. The formula is simple: assets minus liabilities equals net worth.

Assets include cash and savings, investment accounts, retirement balances like 401(k) and IRA, the market value of your home or other real estate, the current value of your vehicles, and other valuables such as a small business stake. Liabilities include the remaining balance on your mortgage, credit card debt, student loans, auto loans, and any personal or medical debts you carry. The calculator on this page lets you enter these values and updates your total net worth instantly as you type.

Tracking net worth over time is more useful than tracking any single account. Even if your investment account drops in a given month, your net worth can still rise if you pay down debt or save aggressively. Update this calculator every 3 to 6 months and you will start to see a clear trend. To explore how saving and investing can accelerate net worth growth, try our Compound Interest Calculator or learn what counts as an asset versus a liability in our assets vs liabilities guide.

FAQ

Net worth calculator FAQs

What is a net worth calculator?

A net worth calculator adds up the total value of everything you own (assets) and subtracts everything you owe (liabilities) to give you a single number that summarizes your overall financial position. Tracking net worth over time is one of the most important habits in personal finance.

How do I calculate my net worth?

Net worth equals total assets minus total liabilities. Assets include cash, savings, investments, retirement accounts, your home value, vehicles, and other valuables. Liabilities include your mortgage balance, credit card debt, student loans, auto loans, and any other debts you owe. Subtract liabilities from assets to get your net worth.

Is a negative net worth bad?

Not always. Many people have negative net worth early in life because of student loans or a new mortgage. The most important thing is that your net worth trends upward over time as you pay down debt, save, and invest. Use this calculator every few months to track your progress.

Should I include my home in net worth?

Yes. Include the current market value of your home as an asset and the remaining mortgage balance as a liability. The difference is your home equity, which is part of your total net worth.

How often should I calculate net worth?

Most people benefit from updating their net worth every 3 to 6 months. That is frequent enough to track meaningful progress without being overwhelmed by short-term market or property value swings. Some people prefer monthly check-ins.

Try the game

Can you reach $1,000,000 net worth before age 65?

Test how careers, investments, and savings rates affect your net worth in our free financial simulation game.

Play Millionaire Challenge →

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