Net Worth Calculator
Add up your assets and liabilities to get your net worth — the single clearest number in personal finance.
List what you own (home, savings, investments, vehicles) and what you owe (mortgage, loans, credit cards) with as many rows as you need. The calculator totals each side and shows your net worth, with your line items listed for a full picture of where you stand.
Assets
Liabilities
How to use this calculator
- Step 1: Add a row for each asset — name it and enter its current value.
- Step 2: Add a row for each liability — name it and enter what you owe.
- Step 3: Use Add row for anything missing, or the x button to remove a row.
- Step 4: Click Calculate to see your net worth with itemized totals.
The formula
Net worth = total assets - total liabilities
Worked example
With $250,000 in assets (a $250,000 home plus $15,000 in savings) and $188,000 in liabilities (a $180,000 mortgage plus $8,000 in credit cards), the net worth is $265,000 - $188,000 = $77,000.
Frequently Asked Questions
What is net worth?
Net worth is the total value of everything you own minus everything you owe. It is the single clearest snapshot of your financial position: positive means you own more than you owe, negative means the reverse. Tracking it over time is one of the best ways to see whether your finances are improving.
What counts as an asset?
Count anything with real value you could convert to cash: home equity or home value, savings and checking balances, investment and retirement accounts, and vehicles or other valuable property. Use realistic resale values, not what you originally paid.
What counts as a liability?
Every debt you owe: mortgage balance, car loans, student loans, credit card balances, personal loans, and medical debt. Use the current payoff amounts, not the original loan amounts.
Is a negative net worth bad?
Not necessarily — many people have negative net worth early in life because of student loans or a new mortgage, and it can still be trending in the right direction. What matters is the trend: a rising net worth means your assets are growing faster than your debts.