Net Worth Calculator
Add up your assets and subtract your liabilities to find your net worth, a clear snapshot of your overall financial position.
Net worth
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Show the math
Net worth is simply what you own minus what you owe:
net worth = total assets − total liabilities
Use the current market value for assets (realistic resale prices for property and vehicles) and the outstanding balance for debts. Net worth can be negative if you owe more than you own, tracking it over time is a good measure of financial progress.
What this does
A net worth calculator adds up your assets and subtracts your liabilities to give a clear snapshot of your overall financial position at a point in time.
How it works
Assets are what you own (cash, investments, property, vehicles); liabilities are what you owe (mortgages, loans, credit-card balances). The difference is your net worth, which can be positive or negative.
Net worth = total assets − total liabilities
How to use it
- List the current market value of everything you own.
- List the outstanding balance of everything you owe.
- Use realistic resale values for property and vehicles.
- Read your total assets, liabilities, and net worth.
Understanding your result
A single figure matters less than the trend. Tracking net worth over time is one of the clearest ways to measure financial progress.
Example
With $250,000 in assets and $180,000 in debts, your net worth is $70,000.
Sources & methodology
- Consumer Financial Protection Bureau, Consumer Tools, Guides for budgeting and net worth
- Federal Reserve, Survey of Consumer Finances, U.S. household balance-sheet data
Last updated .
Frequently asked questions
How is net worth calculated?
Net worth = total assets − total liabilities. Assets are what you own (cash, investments, property, vehicles); liabilities are what you owe (mortgages, loans, credit-card balances).
What should I include?
List the current market value of everything you own and the outstanding balance of everything you owe. Use realistic resale values for property and vehicles.
Can net worth be negative?
Yes, if your debts exceed your assets, your net worth is negative. Tracking it over time is a good way to measure financial progress.
Is my data stored?
No. Everything is computed locally in your browser; nothing is uploaded.
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