FINANCIAL · NET WORTH

Net Worth Calculator

Calculate your net worth by subtracting your total liabilities from your total assets. See your financial snapshot in seconds.

Assets (what you own)
Liabilities (what you owe)
02 Result
Net Worth
$67,000.00
Total Assets$350,000.00
Total Liabilities$283,000.00
Net Worth$67,000.00

About This Calculator

Your net worth is the single clearest snapshot of your financial health — it's what you own minus what you owe. Enter your assets and liabilities below to see where you stand today.

How It Works

List all your assets (cash, investments, real estate, personal property) and all your liabilities (mortgage, car loans, credit cards, student loans). The calculator subtracts your total liabilities from your total assets to give you your net worth. A negative result simply means your debts currently exceed your assets — common early in life when mortgages and student loans are large relative to accumulated savings.

The Formula

Net Worth = Total Assets − Total Liabilities

Total Assets
Sum of everything you own — cash, investments, real estate, personal property
Total Liabilities
Sum of everything you owe — mortgage, car loans, credit cards, student loans

Frequently Asked Questions

What is a good net worth?
Net worth benchmarks vary widely by age and income. A common rule of thumb (from The Millionaire Next Door) is Net Worth = Age × Gross Annual Income ÷ 10. At 35 earning $80,000, that's $280,000. More important than a benchmark is a positive trend year over year.
Why is my net worth negative?
A negative net worth means your total debts exceed your total assets — this is common early in life, especially with large student loans or a recent mortgage. Focus on building assets (savings, investments) and paying down high-interest debt to improve the number over time.
Should I include my home in net worth?
Yes — most financial planners include your home's current market value as an asset and your outstanding mortgage balance as a liability. The difference (equity) counts toward your net worth. Do not include the gross value without the offsetting mortgage.
Should I include my car?
Yes. List your car's current market value (e.g. from Kelley Blue Book) as a personal property asset and any outstanding auto loan balance as a liability. Cars depreciate quickly, so the net contribution is often small or negative for newer vehicles.
How often should I calculate my net worth?
Once a quarter or at least annually. Tracking it over time is more valuable than any single number — a consistent upward trend indicates you are saving and investing faster than you are accumulating debt.