Net Worth Calculator
Net worth is the single number that summarises your financial position: everything you own (assets) minus everything you owe (liabilities). Tracking it over time is the clearest way to see whether your wealth is growing.
Enter the total value of your assets — cash, investments, property, vehicles — and the total of your liabilities — mortgages, loans, credit balances. The calculator returns your net worth.
Checking it once a year is enough to see whether your wealth is trending up — the single clearest signal that your financial plan is working.
Enter your values to see the result.
How this is calculated
Net worth is the single number that summarises your financial position at a moment in time: everything you own (assets) minus everything you owe (liabilities). This calculator takes two totals you enter and subtracts the second from the first.
Assets are anything you own with monetary value: cash and savings, investments and retirement accounts, real estate at current market value, and vehicles. Use realistic current values rather than purchase prices — a home is worth what it would sell for today, not what you paid. Liabilities are any money you owe: mortgage balances, student and car loans, credit-card balances and other debts. Use the payoff amount, not the monthly payment.
The calculation is direct subtraction with no assumptions about growth, income or timing. It does not value future income, the present value of a pension, contingent liabilities such as tax on unrealised gains, or illiquid assets you cannot easily sell. It is a snapshot, not a forecast, and a negative result is common early in a career with student debt — the goal is an upward trend over time.
Worked example
Total assets $250,000 (savings, investments and a home), total liabilities $120,000 (mortgage and a car loan).
- 1Net worth = assets − liabilities = 250,000 − 120,000 = $130,000.
- 2A year later, if assets rose to $270,000 and liabilities fell to $110,000, net worth = $160,000 — a $30,000 improvement.
Frequently asked questions
- What counts as an asset?
- Anything you own that has monetary value: cash, savings, investments, retirement accounts, real estate, and vehicles. Use realistic current market values, not purchase prices.
- What is a liability?
- Any money you owe: mortgage balances, student and car loans, credit card balances, and other debts. Use the payoff amount, not the monthly payment.
- Is a negative net worth bad?
- It is common early in a career, especially with student debt. The goal is a steady upward trend over time as debts shrink and assets grow.
- What counts as an asset?
- Anything you own with monetary value: cash, savings, investments, retirement accounts, real estate and vehicles. Use realistic current market values, not purchase prices, and be honest about what you would actually sell them for.
- Is a negative net worth bad?
- It is common early in a career, especially with student debt. The number itself matters less than the trend: a steady rise as debts shrink and assets grow is the sign of a healthy financial trajectory.
Related calculators
Method: assets minus liabilities. No external data source. Last updated: September 2026.
These results are indicative estimates for planning only and do not constitute financial advice. Actual loan terms, tax rules, investment returns and product conditions vary by country, provider and your personal circumstances. Always confirm figures with your bank, tax authority or a qualified financial adviser before making decisions.