Net Worth Calculator

Total Assets ($)Cash, investments, home value, retirement accounts, vehicles, etc.Enter a valid amount.

Total Liabilities ($)Mortgage, car loans, credit cards, student loans, etc.Enter a valid amount.

Your Net Worth

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How to Use This Tool

Add up the current value of everything you own to get total assets.
Add up everything you owe to get total liabilities.
Click Calculate Net Worth to see the result.

The Net Worth Formula

Net Worth = Total Assets − Total Liabilities

What Counts as an Asset

Cash and bank account balances
Investment and retirement account balances
Home equity (or full home value, with mortgage listed as a liability)
Vehicle value, and other significant personal property

What Counts as a Liability

Mortgage balance
Auto loans, student loans, personal loans
Credit card balances
Any other outstanding debt

Why Track Net Worth Over Time

A single net worth snapshot is useful, but tracking it over months and years reveals your actual financial trajectory — whether you're building wealth or accumulating debt — in a way that looking at income or savings alone doesn't capture.

Frequently Asked Questions

Should I include my home value in assets?

Yes, most net worth calculations include your home's current market value as an asset, with your remaining mortgage balance counted separately as a liability.

What is a good net worth for my age?

This varies enormously based on income, location, and life circumstances, so there's no single universal benchmark — many people find tracking their own net worth trend over time more useful than comparing to an external target.

This calculator is provided for general informational and estimation purposes only. Results should not be treated as professional financial, tax, legal, medical, or engineering advice. Always verify critical calculations with a qualified professional or official source before making decisions.