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Net Worth Calculator

List your assets and liabilities to calculate your total net worth. Add or remove line items to match your own situation.

Assets

$
$
$

Liabilities

$
$

Net worth

$122,000.00

Total assets

$405,000.00

Total liabilities

$283,000.00

Net worth is a snapshot, not a full financial picture — it doesn't account for income, cash flow, or how liquid (easy to access) your assets are. Recalculating every few months is more useful than any single number.

The formula, in plain language

Net worth = Total assets − Total liabilities

It's the simplest possible measure of financial position: everything you own, minus everything you owe. There's no rate or time period involved — just a snapshot as of today.

Why track it over time

A single net worth number matters less than its trend. Recalculating every few months (using the same categories each time) shows whether you're building wealth, paying down debt, or both — which is usually more useful than obsessing over any one snapshot.

Frequently asked questions

What counts as an asset?+

Anything of value you own: cash and savings, investment accounts, retirement accounts, real estate at current market value, vehicles, and other significant property. Small everyday possessions usually aren't worth including — focus on items that meaningfully move the total.

What counts as a liability?+

Anything you owe: mortgage balances, auto loans, student loans, credit card balances, and any other outstanding debt.

Should I use market value or purchase price for assets like my home?+

Use current market value (what it would realistically sell for today), not what you originally paid — net worth is a snapshot of your current financial position, not a record of historical cost.

Is a negative net worth unusual?+

It's common, especially earlier in life — student loans, a new mortgage, or a recent large purchase can all put liabilities temporarily ahead of assets. Net worth is more useful tracked as a trend over months and years than judged as a single snapshot.

Not financial advice. This calculator is provided for general educational and informational purposes only and does not constitute financial, investment, tax, or legal advice. Results are estimates based on the assumptions you enter and may not reflect actual returns, fees, or taxes. Consult a qualified financial professional before making decisions based on this information.