Net Worth Calculator
Get a clear picture of your financial health. Enter the value of everything you own and everything you owe to calculate your total net worth.
Assets — What You Own
Liabilities — What You Owe
Your Net Worth
Total Assets
Total Liabilities
This calculator provides estimates and is for informational purposes only.
How It Works
Net worth is the simplest measure of financial health: Net Worth = Total Assets − Total Liabilities. A positive net worth means you own more than you owe; negative means the opposite.
Tracking net worth over time is more valuable than a single snapshot. Regularly recalculating — say quarterly — helps you see whether you're building wealth or accumulating debt, regardless of income level.
Frequently Asked Questions
Is negative net worth bad?
Not necessarily. Many young adults have negative net worth due to student loans. What matters is the trend — if your net worth is increasing over time, you're on the right track even if it's currently negative.
Should I include my home value?
Yes. Include the current market value of your home as an asset and the remaining mortgage balance as a liability. The difference is your home equity, which contributes to net worth.
How often should I calculate my net worth?
Most financial advisors recommend quarterly or at least annually. This frequency is enough to spot trends without being affected by short-term market fluctuations.