Net Worth Calculator
Enter what you own and what you owe — your net worth updates as you type, and the link always carries your numbers.
How this calculator works
Net worth is the simplest useful number in personal finance: everything you own, added up, minus everything you owe. This calculator groups your assets — cash, investments, retirement accounts, home, vehicle, and anything else of value — and your liabilities — mortgage, auto loan, student loans, credit card debt, and other debt — into two totals, then subtracts. It won't tell you whether your number is "good," because that depends entirely on your age, income, and goals; what it gives you is an honest, instantly recalculable starting point to track over time.
Worked example
With the calculator's defaults — $10,000 in cash and savings, $25,000 in investments, $40,000 in retirement accounts, and a $15,000 car (no home owned yet), against an $8,000 auto loan, $20,000 in student loans, and $2,000 of credit card debt — total assets come to $90,000 and total liabilities to $30,000, for a net worth of $60,000. Change any single field and the total recalculates instantly, so it's easy to see which number moves your net worth the most.
Frequently asked questions
What counts as an asset?
Anything you own that has monetary value: liquid assets you could turn into cash quickly (checking and savings accounts, brokerage investments) and illiquid assets that take longer to convert (retirement accounts, your home, a car, collectibles). This calculator groups both kinds together into a total, but knowing the split matters for how quickly you could access money in a pinch.
Should I include my car as an asset?
Yes — it has resale value, so it belongs on the asset side. Just keep in mind it's a depreciating asset: unlike a home or investments, a car's value typically falls every year, so its contribution to your net worth shrinks over time even if you do nothing.
Is a negative net worth bad?
It's common, especially early in adulthood (student loans outpacing savings) or right after a major purchase like a home (a large mortgage against a new asset that hasn't built equity yet). A negative number is a starting point to track from, not a verdict — trending in the right direction over time matters more than any single snapshot. This is general, factual information, not personalized financial advice.
How often should I recalculate my net worth?
Quarterly is a reasonable rhythm for tracking a trend without over-focusing on short-term market swings; annually is enough for a general check-in. Recalculating right after a major life event — a home purchase, a paid-off loan, a new job — is also worthwhile since those tend to move the number the most.