Your net worth is the simplest snapshot of your financial situation: everything you own minus everything you owe. Fill in the fields below to calculate yours.
How to use this calculator
Enter the current value of what you own: cash and savings accounts, investments, retirement accounts, real estate and other assets such as a car. Then enter what you owe: the remaining balance of your mortgage, other loans and credit cards. Use today’s values, not what you paid.
Example
Someone with $15,000 in savings, $40,000 of investments, $30,000 in retirement accounts, a home worth $300,000 and a $10,000 car owns $395,000 in total. With $180,000 left on the mortgage, a $12,000 car loan and $2,000 on credit cards, their debts are $194,000 and their net worth is $201,000.
How to read the result
- Net worth: a positive number means you own more than you owe. A negative number is common early in life, for example with student loans.
- Debt-to-assets ratio: the share of your assets financed by debt. It falls as you repay loans and your assets grow.
- Asset split: shows whether most of your wealth sits in one place, such as your home.
Why track it
Calculating your net worth once a year, on the same date, is an easy way to see progress over time. It brings together the effect of saving, repaying debt and changes in the value of your investments and property.
Frequently asked questions
Should I include my home?
Yes, at a realistic market value, and include the mortgage in your debts. Some people also calculate a version without their main home to see their liquid wealth.
Is my data saved?
No. Everything is calculated in your browser and nothing is sent or stored.
Related calculators
- Loan and Mortgage Calculator: Monthly payment, total interest and how the loan is paid off.
- Compound Interest Calculator: See how a starting amount and monthly savings grow over time.
- Retirement Savings Calculator: Estimate your savings at retirement and the monthly income they could provide.
This page was written with the help of AI tools (Claude, by Anthropic). The calculator runs entirely in your browser: nothing you enter is sent or stored.