Net worth calculatorNet worth calculator: total assets and liabilities
Add current estimates of your assets and outstanding liabilities. Net worth is total assets minus total liabilities. Include a home's full estimated value as an asset and its remaining mortgage as a liability so neither equity nor debt is counted twice. This calculator totals the rows you enter; it does not value assets or separately classify liquid and investable wealth. Save a copy of the results to compare snapshots over time.
Assets
Liabilities
Your net worth
$176,500
assets minus liabilities
Total assets
$473,000
Total liabilities
$296,500
How to use
- 1
List your assets — cash, investments, property, valuables — with current values.
- 2
List your liabilities — loans, credit cards, mortgages — with balances owed.
- 3
Read your net worth: assets minus liabilities, green when positive.
- 4
Update the lists quarterly and watch the trend — the direction matters more than the number.
- 5
Use it alongside the retirement calculator: net worth today, projection tomorrow.
Benefits
One honest number
Cuts through account balances to the single figure that measures financial health.
Track the trend
Revisit quarterly — a rising line is the whole game.
Itemized balances
Review your own asset and liability categories before totaling them.
No account required
The arithmetic runs locally in your browser without a calculator account.
How to make a useful net worth snapshot
Net worth is the value of the assets you enter minus the liabilities you enter. Use values and balances from roughly the same date, and include an item only once. The estimate is sensitive to asset valuations and debts you leave out.
Use values you can explain
For changing balances, use recent account statements. For property or vehicles, use a reasonable current estimate and remember that a sale could involve costs or taxes not included here.
A snapshot is not spendable cash
A home, retirement account, or vehicle can contribute to total net worth but may not be readily available to pay a near-term bill. This calculator totals the categories you enter and does not classify liquidity or access restrictions.
How it works
- Assets
- Everything you own: cash, savings, investments, home, car, valuables
- Liabilities
- Everything you owe: mortgage, car loan, student loans, credit cards
The arithmetic is trivial — the value is in writing it all down honestly. Use current market values, not what you paid: your home is worth what it would sell for today, your car its resale value. For anything without a daily price — your home, your car — use a conservative current resale estimate and refresh it yearly. Precision matters less than honesty here: a realistic estimate beats the price you paid years ago.
Worked example
$350,000 home + $25,000 savings + $80,000 investments + $18,000 car = $473,000 in assets. Against that: $280,000 mortgage + $12,000 car loan + $4,500 on cards = $296,500 in liabilities. Net worth: $176,500.
Understanding your results
Net worth is the entered assets minus entered liabilities at this point in time. It is a snapshot based on the values and categories you provide; it does not assess liquidity, taxes due on sale, or whether an asset can readily cover a liability.
Frequently asked questions
Assets are what you own: cash, savings, investments, your home, your car. Liabilities are what you owe: mortgage, car loan, student loans, credit card balances. Net worth is simply assets minus liabilities — one number that summarizes your financial position.
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Open calculatorFigures are estimates for education only — not financial advice. Results depend on the assumptions you enter. Read the full disclaimer.