Add every asset
Include cash, savings, investments, retirement accounts, property value, vehicle value, business equity, and other items that have meaningful financial value. Use fair market value where possible.
Net Worth Calculator
Total your assets and liabilities to calculate your net worth.
Changes display symbol only; no currency conversion.
Amount
Checking, savings, and cash.
Amount
Stocks, retirement, funds, crypto,
bonds.
Amount
Home, vehicle, and major asset values.
Amount
Business equity, valuable items,
receivables.
Amount
Mortgage, loans, cards, unpaid bills.
Net worth summarySnapshot
| Net worth | — |
| Total assets | — |
| Total liabilities | — |
| Asset-to-debt ratio | — |
Liquid assets—
Debt share
Non-property assets—
Currency—
Net worth is a snapshot; update values regularly using realistic current market values.
How it works
Measure your financial snapshot
This Net Worth Calculator adds up what you own and subtracts what you owe. It gives a snapshot of your current financial position using assets such as cash, investments, property, and other valuables, then subtracts debts such as mortgages, loans, and credit cards.
Net worth is not the same as income. Someone can earn a lot but have low net worth if debts are high, while another person may have moderate income but strong net worth through savings, investments, and low debt.
For the most useful result, use realistic current values and update your numbers regularly. The trend over time is usually more important than one single calculation.
Subtract all debts
Liabilities include mortgages, credit cards, student loans, personal loans, auto loans, unpaid bills, tax balances, and any other money you are responsible for paying back.
Review the ratios
The calculator shows total assets, total liabilities, net worth, debt share, and asset-to-debt ratio. These extra metrics help explain why your net worth number is strong, weak, or improving.
Track progress over time
Net worth becomes more useful when tracked monthly or quarterly. Paying down debt, building savings, and growing investments should gradually improve the trend.
Frequently asked questions
Net worth is total assets minus total liabilities. If your assets are higher than
your debts, your net worth is positive. If your debts are higher than your assets, your net worth is
negative.
Include bank balances, cash, investments, retirement accounts, property value,
vehicles, business ownership value, and valuable items that could reasonably be counted financially. Avoid
overstating personal items that would be difficult to sell.
Include mortgages, car loans, student loans, personal loans, credit card balances,
taxes owed, medical bills, business debt you personally owe, and any other payment obligation.
Current value is usually better because net worth is a present-day snapshot. A car
may be worth less than you paid, while a property or investment may be worth more or less than its purchase
price.
Monthly or quarterly is common. Daily tracking can be too noisy because markets move,
but yearly tracking may be too slow to show habits and progress.
No. It only changes the displayed symbol. If some assets are in another currency,
convert them first and enter everything in one currency for a meaningful total.