Plan
Net Worth Calculator
Add up what you own and what you owe to get a clear picture of where you stand today.
What you own
What you owe
How the Net Worth Calculator works
Your net worth is the simplest possible summary of your financial position: everything you own, minus everything you owe. This calculator asks for the main categories — cash, investments, retirement accounts, your home, vehicles and other assets, against mortgage, auto and student loans, credit cards and other debts — and does the arithmetic instantly. All numbers stay in your browser.
The most useful feature is the ratio view. The bar and the "debt as a percentage of assets" figure show how leveraged you are, and the liquidity row compares your cash with short-term debts such as credit cards. A strong net worth built mostly from a house and retirement accounts can still leave you short of cash in an emergency, which is why the Emergency Fund Calculator is a helpful companion.
To get the most out of it, be honest but conservative with values. Use recent balances from your statements, a realistic estimate of what your home and car would sell for (not what you paid), and the full payoff amount on loans. Revisit once or twice a year to track progress. Small, regular improvements — an extra loan payment, a retirement contribution, a growing savings balance — compound into a visibly better number.
If you are planning a change, such as buying a home, see how it moves the number: a larger asset usually comes with a larger loan, so net worth barely changes on day one but your cash and flexibility fall. The Mortgage Calculator and the Loan Payoff Calculator help you look at the debt side in detail.
Frequently asked questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is a snapshot of your financial position on a given day. A positive number means your assets exceed your debts.
What should I include as assets?
Cash and savings, investments, retirement accounts, the market value of your home, vehicles at realistic resale value, and any other valuable property you could sell. Many people leave out personal items such as furniture and clothing because they are hard to value and rarely resold.
Is negative net worth bad?
Not necessarily. Many young adults, graduate students and new homeowners have negative or low net worth because debts arrive before assets. What matters is the direction: is your net worth rising over time as you pay down debt and build savings?
How often should I calculate it?
Once or twice a year is enough for most people. Choose a consistent date, such as New Year or your birthday, and use the same method each time so the comparison is fair. Use "Save This Scenario" to keep a record in this browser.