Net Worth Calculator
Get a cleaner personal balance-sheet snapshot by listing the accounts and debts that actually make up your net worth.
Calculator
Net Worth Calculator
Add the accounts or property values you want included, such as cash, brokerage accounts, retirement balances, vehicles, or real estate.
Total assets: $504,000.00
Add each debt balance separately so mortgages, cards, student loans, and other liabilities are visible on their own rows.
Total liabilities: $238,500.00
Example values are loaded.
Result
Your result
With $504,000.00 in assets and $238,500.00 in liabilities, net worth comes to about $265,500.00.
Net worth
$265,500.00
Total assets
$504,000.00
Total liabilities
$238,500.00
Assets
Liabilities
Next steps
Compare before you move on
Most people use one calculator to answer the first question and a related tool to pressure-test the decision.
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What this calculator shows
Net worth is the simplest single-number snapshot of your balance sheet because it subtracts liabilities from everything you own.
Listing the balances line by line makes the result more useful because you can see exactly which assets and debts are driving the number.
How to use it
- 1. Add each asset you want counted, including account balances and major property values.
- 2. Add each liability balance on its own row.
- 3. Review total assets, total liabilities, and the resulting net worth together.
Formula and assumptions
Net worth = total assets - total liabilities.
Assets include cash, investments, retirement accounts, property, and other owned value. Liabilities include mortgage balances and other debts.
How to read this result
Net worth is best read as a trend line, not a grade. The number becomes more useful when you compare it to previous snapshots and identify what is moving it most.
A low or negative net worth often says more about liability structure and life stage than personal progress. Early career debt, recent home purchases, and uneven asset growth can all distort the raw figure.
Use the split between total assets and total liabilities to decide the next move. Sometimes the best improvement comes from saving more, and sometimes it comes from shrinking expensive debt faster.
Common mistakes
Using outdated property or account values and then treating the result like a precise balance sheet.
Including the asset value of a home or vehicle but forgetting to include the remaining debt tied to it.
Obsessing over the headline number without checking which assets are liquid, which are volatile, and which debts are actually creating the drag.
Notes
This is a planning snapshot. Real net worth tracking can include taxes, business ownership details, and more conservative values for illiquid assets.
Worked example
Separating cash, investments, retirement accounts, home value, mortgage debt, and other liabilities gives a clearer baseline than one catch-all asset field and one catch-all debt field.
This example uses the default sample inputs loaded on reset. It does not update with the live calculator entries above.
Net worth
$265,500.00
Total assets
$504,000.00
Total liabilities
$238,500.00
Feedback
Found a problem on this page?
Report confusing fields, broken math, or missing assumptions with the exact inputs you used so the issue can be reproduced.
FAQ
FAQ
Should I include my home in net worth?
Yes. If you include the home's market value, include the remaining mortgage balance too so the net figure stays honest.
FAQ
Can I add more than one account or debt?
Yes. Add as many assets and liabilities as you need so you do not have to combine account balances before entering them.