Net Worth Calculator
Add up your assets and liabilities to see where you stand financially.
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Request a ToolHow to Use the Net Worth Calculator
This calculator gives you a clear snapshot of your financial position. Here is how to use it:
- Enter your assets. Start with the easy ones: how much cash do you have in checking and savings accounts? Then add investments (brokerage accounts, stocks, bonds), retirement accounts (401k, IRA, Roth IRA), your home's current market value, vehicle values, and anything else of significant value.
- Enter your liabilities. List what you owe: mortgage balance, student loans, auto loans, credit card balances, and any other debts.
- Read your net worth. The result updates instantly as you type. A positive number means your assets exceed your debts. A negative number means you owe more than you own, which is common early in life.
Use the Share button to save a pre-filled link you can revisit later, or Copy to grab the result for your records. All calculations run entirely in your browser. Nothing is stored or sent anywhere.
About Net Worth
Net worth is the single best number for measuring your overall financial health. It is simply what you own minus what you owe. Unlike income, which only tells you what flows in, net worth tells you what you have actually kept and built over time.
Tracking your net worth regularly (quarterly or annually) reveals whether you are making progress. A rising net worth means you are building wealth, even if it does not always feel that way. Many people with high incomes have low or negative net worth because of heavy spending or debt. The number that matters most is not what you earn, it is what you keep.
Frequently Asked Questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is a single number that represents your overall financial position. A positive net worth means you own more than you owe. A negative net worth means your debts exceed your assets.
What counts as an asset?
Assets include anything of financial value that you own: bank accounts, investment and retirement accounts, real estate, vehicles, and valuable personal property. For a net worth calculation, use current market values rather than what you originally paid. Most financial planners recommend excluding everyday items like furniture or clothing unless they have significant resale value.
Is negative net worth bad?
Not necessarily. A negative net worth is very common for young adults who have student loans or recently purchased a home. What matters more is the trend. If your net worth is moving in the right direction over time, you are on track. The goal is to reduce debt while building assets so your net worth increases year over year.
How often should I calculate my net worth?
Most financial experts recommend calculating your net worth at least once or twice a year. Quarterly is a good cadence if you want to stay closely engaged. Checking too often (monthly or weekly) can be discouraging because short-term market fluctuations may cause temporary dips that do not reflect your actual financial progress.