Net Worth Calculator

Enter Calculation

Cash & Bank Accounts ($)

Investments & Retirement ($)

Property & Real Estate ($)

Other Assets ($)

Mortgage & Property Loans ($)

Loans & Credit Card Debt ($)

Other Liabilities ($)

Results

Your Net Worth

$160,000

Total Assets − Total Liabilities

Total Assets	$380,000
Total Liabilities	$220,000
Net Worth	$160,000

What Is Net Worth?

Your net worth is a single number that summarizes your financial position at a moment in time. It is calculated by adding up everything you own (your assets) and subtracting everything you owe (your liabilities). A positive net worth means your assets exceed your debts; a negative net worth means the opposite. Tracking it over time is one of the simplest and most powerful ways to measure financial progress.

How to Use This Calculator

Enter the current value of each asset category — cash and bank accounts, investments and retirement funds, the market value of property or real estate, and any other valuables (vehicles, business equity, collectibles). Then enter your liabilities — mortgage balance, personal loans and credit card debt, and any other amounts owed. The calculator instantly totals each side and shows your net worth, total assets, and total liabilities.

The Formula Explained

The math is straightforward: $$\text{Net Worth} = \text{Total Assets} - \text{Total Liabilities}$$. Total assets is the sum of all the things you own that have monetary value. Total liabilities is the sum of all your outstanding debts. Subtract one from the other and you have your net worth. Use current market values for assets and the outstanding balance (not the original amount borrowed) for debts.

Net worth equals total assets minus total liabilities.

Worked Example

Suppose you have $10,000 in cash, $50,000 in investments, a home worth $300,000, and $20,000 in other assets — that is $380,000 in total assets. Your liabilities are a $200,000 mortgage, $15,000 in loans and credit cards, and $5,000 in other debts — totaling $220,000. Your net worth is $$\$380{,}000 - \$220{,}000 = \$160{,}000$$ $160,000.

Worked example: subtract the liabilities bar from the assets bar to get net worth.

FAQ

Should I include retirement accounts? Yes — 401(k), IRA, and pension balances are assets you own and should be counted.

Do I use the purchase price or current value of my house? Use the current estimated market value, since that reflects what the asset is actually worth today.

Can net worth be negative? Absolutely. If your debts exceed your assets — common for students or new homeowners — net worth is negative. The goal is to grow it over time by saving and paying down debt.