Net Worth Calculator
Add up what you own and subtract what you owe to see your total net worth and financial health.
Last reviewed July 1, 2026
Net worth is a snapshot of financial health — track it over time to see progress. Values are whatever you enter; nothing is stored.
Your net worth is the single clearest snapshot of your financial health: everything you own minus everything you owe. This calculator adds up your assets and liabilities to show your net worth, along with your debt-to-asset ratio and the equity you hold in your property.
Fill in what you own — cash, investments, property, vehicles — and what you owe — mortgage, loans, credit cards. The result updates instantly, and nothing you enter leaves your device.
The Net Worth formula
Net worth = Total assets − Total liabilitiesTotal assets = everything you own (cash, investments, property, vehicles) · Total liabilities = everything you owe (mortgage, loans, credit cards). Home equity = property value − mortgage balance.
Worked example
With $250,000 in assets (a $200,000 home, $40,000 investments, $10,000 cash) and $160,000 in liabilities (a $150,000 mortgage and $10,000 of loans), net worth is 250,000 − 160,000 = $90,000.
Why net worth matters more than income
A high income doesn't guarantee wealth — spending and debt do the opposite. Net worth captures the real picture, because it reflects what you've actually kept and built, not just what you earn.
The most useful thing you can do is track it over time. A net worth that climbs quarter after quarter means your finances are moving in the right direction, even if progress feels slow month to month.
Frequently asked questions
▶How do I calculate my net worth?
Add up the value of everything you own (assets), then subtract everything you owe (liabilities). The result is your net worth — this calculator does the maths for you.
▶Should I include my home in net worth?
Yes — include its market value as an asset and your mortgage as a liability. The difference is your home equity, which this calculator shows separately.
▶What counts as an asset and what counts as a liability?
Assets are things you own with value — cash, savings, investments, property, vehicles. Liabilities are what you owe — mortgage, car and student loans, credit-card balances. Net worth is assets minus liabilities.
▶Can net worth be negative?
Yes. If your debts exceed your assets — common early on with student loans or a new mortgage — net worth is negative. The goal is to grow it into positive territory over time.
▶What is a good net worth for my age?
There's no universal number, since it depends on income, cost of living and goals. Far more useful than any benchmark is watching your own net worth trend upward over time.
▶What is the debt-to-asset ratio?
It's your total liabilities divided by your total assets, shown as a percentage. A lower ratio means less of what you own is financed by debt; this calculator works it out for you.
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Open calculator →Disclaimer: Net Worth Calculator results are estimates for general information and education only, and are not financial, tax, legal or medical advice. Verify important decisions with a qualified professional.