Net Worth Calculator
Add up what you own and subtract what you owe to get a snapshot of your net worth.
About the Net Worth Calculator
List each asset and each debt on its own line with its value, for example “Savings 18000”. The calculator adds them up, shows your net worth and how much of your assets is owed to lenders, and charts what you own.
Net worth is assets (cash, investments, retirement accounts, property, vehicles) minus liabilities (mortgage, loans, card balances). Tracking it once or twice a year shows whether you're moving forward, which matters more than any single number.
The formula
Net worth = total assets − total debts
How to read your result
- The debt-to-assets percentage shows how much of what you own is really the lenders'. It usually falls as a mortgage is paid down.
Worked example
The example lists on this page
- Assets: 350,000 + 18,000 + 95,000 + 15,000 = 478,000
- Debts: 240,000 + 9,000 + 3,500 + 12,000 = 264,500
- Net worth = 213,500; debt is 55.3% of assets
Things to keep in mind
- Use realistic sale values: what a buyer would pay today, after selling costs, not what you paid.
- Retirement accounts may be taxed when withdrawn, so their after-tax value is lower.
Questions people ask
Should I include my home?
Yes, at a realistic sale value, with the mortgage as a debt.
Is negative net worth bad?
It's common early on, especially with student loans; the trend matters most.
Should I include my car?
Yes, at its current resale value. Cars lose value each year, so they add less than people expect.