Net Worth Calculator
Add up what you own, subtract what you owe — see your total net worth.
Inputs
Result
Visual breakdown
Formula
Net worth = total assets − total liabilities. Track it quarterly to see real progress beyond month-to-month income.
Example
Cash $5k + investments $20k + retirement $30k + home $350k + other $15k = $420k assets. Subtract $250k debts → $170k net worth.
Related: Monthly budget · Savings rate · FIRE
How to use
- Add every account: cash, checking, savings, brokerage, retirement.
- Use today's home value, not the purchase price.
- Add everything you owe: mortgage, loans, credit cards.
- Re-check quarterly — month-to-month noise washes out.
When it's useful
- Reviewing yearly financial progress.
- Before a big decision (home, job change, sabbatical).
- Tracking long-term wealth growth alongside savings rate.
Common examples
Frequently asked
Should I include my home?
Yes — but understand that home equity is illiquid. Many people also track 'liquid net worth' (assets minus home and retirement).
What about cars?
Optional. Cars lose value quickly, so some people skip them; others list them at trade-in value.
Is debt always bad here?
No. The number measures position, not behavior. Low-interest mortgage debt while assets grow is normal.
Is anything stored?
No — every value stays in your browser. Nothing is sent anywhere.
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More money & work →Estimates only — not financial advice. Asset values fluctuate.