Net Worth Calculator

Written by Cripto Adicto

Last updated: 15 Jul 2026

Your net worth is the single clearest number in personal finance: everything you own minus everything you owe. Enter your assets and liabilities below to calculate it instantly and see where you stand.

Your assets and debts

Cash & savings ($)

Investments ($)

Real estate ($)

Vehicles ($)

Other assets ($)

Mortgage ($)

Loans ($)

Credit card debt ($)

Other debts ($)

What net worth really tells you

Your income shows what you earn; your net worth shows what you have actually kept and built. That is why it is the number financial planners watch most closely. Two people can earn the same salary yet have wildly different net worth, because one turned income into assets while the other turned it into liabilities. Calculating it puts a single, honest figure on your progress.

The net worth formula

Net worth = Total assets − Total liabilities

Assets include cash and savings, investment and retirement accounts, the market value of your home and other property, vehicles, and valuables. Liabilities include your mortgage, student and personal loans, car finance, and credit-card balances. Subtract the second total from the first and you have your net worth — the calculator above breaks it down and charts assets against debts.

A worked example

Say you own a home worth $250,000, have $40,000 in savings and investments and a $15,000 car — $305,000 in assets. Against that you owe a $180,000 mortgage, a $12,000 loan and $3,000 on cards — $195,000 in debts. Your net worth is $110,000. Pay down the card and loan, and it climbs even if your income never changes.

How to grow your net worth

Invest consistently so your assets compound — see our compound interest calculator.
Attack high-interest debt first; use the debt payoff calculator to plan it.
Budget with intent so more income becomes assets — try the budget calculator.
Track it over time and let compounding and steady debt payoff do the rest.

For a deeper walkthrough, read our guide on how to calculate your net worth.

How to Calculate Net Worth

Formula: Net worth = Total assets − Total liabilities

Add up everything you own: cash, investments, property, vehicles.
Add up everything you owe: mortgage, loans, credit cards.
Subtract total liabilities from total assets.
A positive result is your net worth; track it over time.

Frequently Asked Questions

Net worth is the value of everything you own (assets) minus everything you owe (debts). It is the most honest single snapshot of your financial health, because it accounts for both what you have built and what you still owe.

Add up all your assets — cash, savings, investments, property, vehicles and valuables — then subtract all your liabilities such as your mortgage, loans and credit-card balances. The result, positive or negative, is your net worth. This calculator does the maths for you.

A common rule of thumb is that by a given age your net worth should be roughly your age times your annual income, divided by ten. It is only a guide — your starting point, cost of living and goals matter far more than hitting a formula.

Yes, and it is very common early on — for example with a large student loan or mortgage and few assets yet. A negative net worth simply means your debts currently exceed your assets. What matters is the trend: growing it over time.

Once a quarter is plenty for most people. Tracking it a few times a year shows whether your saving, investing and debt-payoff efforts are actually moving the needle, without obsessing over short-term market swings.