Net Worth Calculator
Add up what you own and subtract what you owe to find your net worth. List your assets and liabilities below and the totals update as you type.
How to use the net worth calculator
- List your assets and their current values, such as cash, investments, your home and car.
- List your liabilities, such as a mortgage, loans and credit card balances.
- Read your net worth at the bottom: total assets minus total liabilities.
Examples
Positive net worth
Assets: cash 5,000, home 300,000. Liabilities: mortgage 200,000.
Total assets 305,000, total liabilities 200,000, net worth 105,000.
Negative net worth
Assets: car 10,000. Liabilities: car loan 12,000, credit card 3,000.
Total assets 10,000, total liabilities 15,000, net worth -5,000.
Frequently asked questions
What is net worth?
Net worth is the value of everything you own minus everything you owe. It is a single number that snapshots your overall financial position at a point in time.
What is the difference between assets and liabilities?
Assets are things of value you own, like cash, investments, property and vehicles. Liabilities are debts you owe, like a mortgage, car loan, student loans and credit card balances.
What should I include in my net worth?
Include the current market value of cash and bank accounts, investments and retirement funds, property, vehicles and other valuables on the asset side, and all outstanding loan and credit balances on the liability side.
Should I track my net worth over time?
Yes. A single figure means little on its own, but tracking it monthly or quarterly shows whether your finances are trending up or down and helps you measure progress toward goals.
Can my net worth be negative?
Yes. If your debts are larger than the value of your assets, your net worth is negative. This is common early on, for example with a large mortgage or student loans, and usually improves as you pay debt down.
Is my data private?
Yes. Everything is calculated in your browser. The values you enter are never sent to a server or stored.
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