Net Worth Calculator
The Net Worth Calculator subtracts your total liabilities from your total assets to show your net worth — the single best snapshot of your financial health at any moment.
What this means
Net worth = everything you own minus everything you owe. It can be negative early in life when debt like student loans and mortgages exceeds savings — tracking it upward is the goal.
How we calculate it
Formula
Net worth = total assets − total liabilities.Worked example
$150,000 in assets and $25,000 in liabilities:
- 1Net worth = $150,000 − $25,000 = $125,000
Important assumptions
- Enter realistic current values, not purchase prices.
- Assets are pre-tax gross values.
Frequently asked questions
What counts as an asset?
Cash, investments, retirement accounts, home value, vehicles and valuables you could sell. Use current market values.
How often should I calculate net worth?
Monthly or quarterly is enough. Frequent enough to see progress, rare enough that short-term swings don't distract you.