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Financial Health

Net Worth Calculator

Add up what you own, subtract what you owe, and get your net worth — the single clearest measure of your financial position and how it’s trending.

What you own

Assets — estimate current market value.

What you owe

Liabilities — current balances.

Your net worth

Net worth

$174,000

What you'd have left if you sold everything and paid off every debt.

Total assets

$480,000

Total liabilities

$306,000

Net worth

$174,000

Track this number a few times a year. Rising net worth — not income — is the truest sign of financial progress.

The one number that ties it all together

Income tells you what flows in; net worth tells you what you've actually kept. It's assets minus liabilities — the number that captures your whole financial picture in one figure. Fill in the columns above to see yours.

Track the trend, not the number

A single snapshot is less important than the direction. Calculating net worth a few times a year turns vague financial "feelings" into a clear signal: is it going up? Paying down debt and adding to investments both push it higher.

Move it up

Build the cash side of the ledger with an emergency fund, raise your savings rate, and shrink the liabilities column with a focused debt payoff plan.

Related calculators

Emergency Fund CalculatorHow big a cushion you need and how fast you can build it.Savings Rate CalculatorThe share of income you keep — the number that drives everything.Debt-to-Income Ratio CalculatorFind your DTI — the number lenders use to approve loans and mortgages.Inflation CalculatorWhat today’s money will be worth years from now.

Frequently asked questions

How do I calculate net worth?
Add up everything you own — cash, investments, home, vehicles, and other assets — then subtract everything you owe, like your mortgage, car loans, student loans, and credit card balances. The difference is your net worth.
What is a good net worth?
There’s no universal number — it depends on age, income, and location. More useful than any benchmark is the trend: a net worth that climbs year over year means you’re building wealth, whatever the starting point.
Should I include my home?
Yes — include its market value as an asset and the remaining mortgage as a liability. The equity (value minus mortgage) is part of your net worth, though it’s less liquid than cash or investments.
Can net worth be negative?
Absolutely, and it’s common early on — especially with student loans or a new mortgage. It’s a starting point, not a verdict. Paying down debt and building assets moves it up over time.