Your net worth is the total value of everything you own minus everything you owe: total assets minus total liabilities. Enter your cash, investments, property, vehicles and other assets, then your mortgage, loans, credit card and other debts, and this calculator returns your total assets, total liabilities and net worth instantly. It can be positive or negative — early on, a big mortgage or student loan often makes it negative, and that is perfectly normal. Everything runs in your browser, so nothing you type is sent anywhere.
Assets — what you own
$
$
$
$
$
Liabilities — what you owe
$
$
$
$
Total assets—everything you own
Total liabilities—everything you owe
Net worth—assets − liabilities
How to Calculate Your Net Worth
Add up what you own, add up what you owe, subtract.
1
List your assets
Enter cash and savings, investments and retirement, property, vehicles and any other assets at their current value.
2
List your debts
Enter your mortgage balance, loans, credit card debt and other debts at their current payoff amount.
3
Read your net worth
Total assets, total liabilities and net worth update instantly. Building the assets side? Try the Investment Calculator.
Frequently Asked Questions
What is net worth?
Net worth is a single snapshot of your financial position: the total value of everything you own minus everything you owe. Add up your assets, such as cash, savings, investments, retirement accounts, your home and vehicles, then subtract your liabilities, such as a mortgage, car and student loans and credit card balances. The number that remains is your net worth. It can be positive when your assets outweigh your debts, or negative when your debts are larger. Tracking it over time is one of the clearest ways to see whether your finances are moving in the right direction.
How do I calculate my net worth?
To calculate your net worth, list the current value of every asset you hold and add them together to get total assets, then list every debt and add those together to get total liabilities. Subtract total liabilities from total assets and the result is your net worth. This calculator does the arithmetic for you: enter your cash and savings, investments and retirement, property or home value, vehicles and any other assets, then your mortgage balance, loans, credit card debt and other debts. Total assets, total liabilities and net worth update instantly as you type, all in your browser, so nothing you enter is sent anywhere.
What counts as an asset vs a liability?
An asset is anything you own that has real, recoverable value: cash and bank balances, investment and retirement accounts, the market value of your home and other property, vehicles, and valuables you could realistically sell. A liability is money you owe to someone else: a mortgage, car loan, student loan, personal loan, credit card balance or any other outstanding debt. A good rule of thumb is that an asset puts money in your pocket or could be sold for cash, while a liability takes money out through repayments. Use the current market value for assets and the current payoff balance for debts, not the original purchase price or the original loan amount.
Is it normal to have a negative net worth?
Yes, a negative net worth is common and it does not mean you are doing something wrong. It simply means your debts currently add up to more than your assets, which is typical early in adult life. New graduates often owe more in student loans than they hold in savings, and a recent home buyer with a large mortgage and little equity can be in the same position. What matters far more than a single negative figure is the direction of travel: as you pay down debt and build savings and equity, net worth climbs and usually crosses into positive territory over time. Track it regularly and focus on the trend rather than one snapshot.
How often should I calculate my net worth?
For most people, checking net worth once a quarter or a few times a year strikes the right balance. That is frequent enough to catch a meaningful trend, such as debt falling or investments growing, without reacting to the day to day noise of markets and account balances. Some people prefer a monthly check on the same date so the numbers are comparable, while others simply revisit it after a big financial event like paying off a loan, buying a home or getting a raise. The most useful habit is to measure it the same way each time and to record the figure, so you can compare snapshots and watch the long term direction of your finances.