Net Worth Calculator
List what you own and what you owe, and see the single number that sums it all up — your net worth, right now.
Assets
Liabilities
How it works
The whole idea fits in one line: add up everything you own, subtract everything you owe, and what's left is your net worth. Cash, investments, and a home go on one side; the mortgage and loans go on the other.
Someone with $392,000 in assets and $261,500 in debts has a net worth of $130,500 — even though the house alone might list for more. The number captures your real position, not just the sticker prices.
Net worth can absolutely come out negative, and early on that's normal. A recent grad with student loans and little saved starts below zero. What matters is the trend: check it a couple of times a year and watch the line climb.
Frequently asked questions
How do I calculate my net worth?
Total everything you own — cash, investments, property, vehicles — then subtract every debt, from your mortgage to credit cards. Assets of $300,000 against $200,000 of debt leaves a net worth of $100,000.
Should I use my home's market value or what I paid?
Use what it would realistically sell for today, not the purchase price. Then list the current mortgage balance as a liability. The gap between the two is the equity that counts toward your net worth.
Is a negative net worth bad?
It's common and often temporary, especially with student loans or a fresh mortgage. The single snapshot matters less than the direction — as you pay down debt and build savings, the number works its way up.