General Finance
Net Worth Calculator
List what you own and what you owe to get a single net worth figure, with a breakdown of where your assets sit.
Calculation inputs
Use current market values for assets and current payoff balances for debts.
Results
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Complete the fields and select Calculate to show results here.
About this calculator
This calculator totals what you own against what you owe to produce a single net worth figure, broken down by asset category. It's a snapshot tool used for tracking personal financial progress over time.
How the calculation works
- Total assets = cash + investments + retirement + real estate + vehicles + other assets
- Total liabilities = mortgage + auto loans + student loans + credit cards + other debts
- Net worth = total assets − total liabilities
Notes and assumptions
Value real estate and vehicles at what you could realistically sell them for today, not what you paid.
Tracking the same figures every quarter is more useful than the single number itself.
How it works in plain English
You list the current value of your assets — cash and bank accounts, investments, retirement accounts, real estate, vehicles, and any other assets — and separately list your liabilities, such as a mortgage balance, auto loans, student loans, credit card debt, and other debts.
The calculator adds up everything you entered under assets to get total assets, and everything under liabilities to get total liabilities. Net worth is simply the difference between the two: what's left over after every debt is subtracted from everything you own.
Alongside the net worth figure, the calculator shows a breakdown of how your assets are distributed — for example, how much sits in cash versus real estate versus retirement accounts — and calculates liabilities as a share of assets, which gives a rough sense of how leveraged your overall financial position is. This makes the tool useful for comparing snapshots over time: entering the same categories every few months lets you see whether total assets are growing faster than liabilities, whether debt paydown or investment growth is driving the change, and whether your asset mix is becoming more or less concentrated in any single category, such as real estate or retirement savings.
The formula
- Total assets = cash + investments + retirement + real estate + vehicles + other assets
- Total liabilities = mortgage + auto loans + student loans + credit cards + other debts
- Net worth = total assets - total liabilities
Worked example
Imagine you have $15,000 in cash, $42,000 in investments, $96,000 in retirement accounts, a home worth $380,000, and vehicles worth $24,000, for total assets of $557,000. Your mortgage balance is $268,000, you owe $14,000 on auto loans, $9,000 in student loans, and $3,500 on credit cards, for total liabilities of $294,500.
Subtracting liabilities from assets gives a net worth of $262,500. Liabilities represent about 53% of assets in this example, reflecting that a large mortgage still sits against the home's value. Looking at the asset mix, real estate makes up about 68% of assets, retirement accounts about 17%, investments about 8%, cash about 3%, and vehicles about 4%, showing how concentrated this household's wealth is in its home. As the mortgage shrinks and investment and retirement accounts grow, net worth would rise even if the home's value stayed flat, since each mortgage payment converts a bit of debt into equity.
Frequently asked questions
What value should I use for my house or car?
Use a realistic current market value, meaning roughly what you could sell the item for today, not what you originally paid for it. For a home, a recent appraisal, a comparable sale price, or an online estimate works reasonably well; for a vehicle, current used-car valuation guides are a common reference point.
Can net worth be negative?
Yes. If your total liabilities exceed your total assets — which is common early in life due to student loans or a large mortgage relative to home equity — the calculator will show a negative net worth. This is a normal stage for many households and tends to improve as debts are paid down and assets grow.
Should I include the full value of my home or just my equity?
Enter the home's full market value under assets and the remaining mortgage balance separately under liabilities; the calculator subtracts one from the other automatically. Entering only your equity would double-count the paid-down portion and understate your total assets.
How often should I recalculate my net worth?
Many people find checking every quarter or twice a year strikes a good balance — frequent enough to see meaningful movement, but not so often that day-to-day market swings feel discouraging. Tracking the same categories consistently over time is generally more useful than any single snapshot.
Does net worth include future income or expected inheritances?
No, net worth only reflects assets and debts that exist today. Expected future income, potential inheritances, or anticipated raises are not counted, since they haven't materialized into actual owned assets yet. Some people choose to separately track expected windfalls as a note alongside their net worth statement, but the core figure itself is meant to reflect only what could be verified and liquidated, sold, or paid off as of today's date.
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