Finance
Net worth calculator
Add up what you own and subtract what you owe to see your net worth — a simple, private snapshot of your financial health you can track over time.
Assets (what you own)
Liabilities (what you owe)
- Total assets
- $285,000
- Total liabilities
- $195,000
- Net worth
- $90,000
Net worth is simply total assets minus total liabilities. A negative result just means debts currently exceed assets — tracking the number over time matters more than any single snapshot.
Why net worth is the number to watch
Income tells you what flows in; net worth tells you what you’ve built. Because it captures both what you own and what you owe in a single figure, tracking it over time is one of the clearest ways to see real financial progress — far more telling than any single month’s spending.
Assets, liabilities, and the gap between them
Net worth is built on one core distinction — see assets vs liabilities. To learn how saving, investing, and debt fit together, explore the Finance subject. This tool is educational, not financial advice.
Frequently asked questions
- How do you calculate net worth?
- Net worth is total assets (what you own) minus total liabilities (what you owe). Add up cash, investments, property, and other assets, subtract mortgages, loans, and card balances, and the difference is your net worth. This tool sums it for you.
- What if my net worth is negative?
- A negative net worth simply means your debts currently exceed your assets — common early in life, especially with student loans or a new mortgage. What matters most is the trend over time as you pay down debt and build assets.
- Should I include my home?
- Yes — include the home’s value as an asset and the outstanding mortgage as a liability. The difference (your equity) is what actually contributes to net worth. Listing them separately keeps the picture honest.
- Is it free and private?
- Yes — nothing is stored or sent anywhere; it all runs in your browser. This is educational, not financial advice.