Net Worth Calculator
Calculate your net worth — add up your assets (cash, investments, home, vehicles) and subtract your liabilities (mortgage, loans, credit cards) to see where you stand.
What your net worth tells you
Net worth is the single clearest snapshot of your finances: everything you own minus everything you owe. Add up your assets — cash and savings, investments and retirement accounts, your home and vehicles — then subtract your liabilities — mortgage, auto and student loans, and credit-card balances. The result is your net worth. The calculator totals both columns and shows the difference as you type.
Track the trend, not just the number
A negative or small net worth is normal early on, especially with a mortgage or student debt. What matters is the direction over time as you pay down debt and grow savings and investments. Recalculate every few months to watch it climb. To grow the asset side, see the compound interest calculator and the 401(k) calculator.
Frequently asked questions
How do I calculate my net worth?
Add up everything you own (assets) — cash, savings, investments, retirement accounts, home and vehicles — then subtract everything you owe (liabilities) — mortgage, loans and credit-card debt. What is left is your net worth. Fill in the fields above and it totals it for you.
What counts as an asset or a liability?
Assets are things of value you own: bank balances, investments, retirement accounts, property, vehicles and valuables. Liabilities are debts you owe: your mortgage, car and student loans, and credit-card balances. Net worth is simply assets minus liabilities.
Is it bad to have a negative net worth?
Not necessarily — it is common early on, especially with a mortgage or student loans. What matters is the trend: as you pay down debt and build savings and investments, net worth rises over time. Recalculate periodically to track your progress.