Net Worth Calculator

Finance

Last updated: July 11, 2026

Calculate your total net worth by comparing your assets and liabilities. Get a clear snapshot of your financial health and see a breakdown of where you stand.

Assets

Cash & Savings ($)

Investments ($)

Real Estate ($)

Other Assets ($)

Liabilities

Mortgage Balance ($)

Loans ($)

Credit Cards ($)

Other Debts ($)

How to Use This Calculator

Enter the value of all your Assets: cash, investments, real estate, and anything else you own of value.
Enter all your Liabilities: mortgage balance, loans, credit card balances, and other debts.
Click Calculate to see your total assets, total liabilities, and net worth.
Review the asset breakdown chart to visualize your financial composition.

Formula

Net Worth = Total Assets − Total Liabilities

Where Assets include cash, investments, real estate equity, and other valuables. Liabilities include mortgages, loans, credit card balances, and other outstanding debts.

Examples

Young Professional: $25,000 cash + $15,000 investments + $5,000 other assets = $45,000 in assets. $8,000 student loans + $2,000 credit cards = $10,000 in liabilities. Net worth = $35,000.

Homeowner Couple: $50,000 cash + $120,000 investments + $350,000 home = $520,000 in assets. $220,000 mortgage + $10,000 car loan = $230,000 in liabilities. Net worth = $290,000.

Negative Net Worth: $5,000 cash + $2,000 car = $7,000 in assets. $30,000 student loans + $5,000 credit cards = $35,000 in liabilities. Net worth = −$28,000. This is common for recent graduates.

Frequently Asked Questions

What is net worth?

Net worth is the difference between what you own (assets) and what you owe (liabilities). It represents your overall financial position at a specific point in time.

How do I calculate my net worth?

List all your assets (cash, investments, property, etc.) and add them up. Then list all your liabilities (loans, mortgages, credit cards) and add them up. Subtract total liabilities from total assets.

What does a negative net worth mean?

A negative net worth means your debts exceed your assets. This is common for young adults with student loans or anyone with high debt. Focus on paying down debt and building savings over time.

How often should I calculate my net worth?

Calculating your net worth once per quarter or annually is sufficient for most people. Tracking it over time helps you see whether your financial health is improving.