Net Worth Calculator
Add up assets and subtract liabilities to find your net worth. Free net worth calculator with editable rows and an asset-versus-debt summary.
About the Net Worth Calculator
Net worth is the single clearest snapshot of your financial health: everything you own minus everything you owe. This free net worth calculator lets you list your assets (cash, investments, property, vehicles) and your liabilities (loans, credit cards, mortgages) in editable rows, and shows your net worth updating live.
The formula is simply total assets − total liabilities. A positive net worth means your assets outweigh your debts; a negative one means you owe more than you own, common early in life with student or home loans. Tracking the number over time shows whether you are building wealth.
Individuals planning finances, couples reviewing their position and anyone applying for a large loan use net worth as a baseline. All figures stay in your browser — nothing about your finances is uploaded.
How to Use the Net Worth Calculator
- 1Add a row for each asset with its current value.
- 2Add a row for each liability with its outstanding balance.
- 3Edit, add or remove rows as needed.
- 4Read your total assets, total liabilities and net worth.
Frequently Asked Questions
How do I calculate my net worth?
Add the value of everything you own — cash, savings, investments, property, vehicles — then subtract everything you owe, such as loans, credit card balances and mortgages. If you own 5,000,000 in assets and owe 2,000,000, your net worth is 3,000,000.
What counts as an asset?
Anything with resale or cash value: bank balances, stocks and mutual funds, retirement accounts, property, gold, vehicles and valuable possessions. Use current market values, not what you originally paid, for an honest picture.
What counts as a liability?
Every debt you are obliged to repay: home loans, car loans, personal loans, student loans, outstanding credit card balances and any money owed to family or lenders. Use the current outstanding balance, not the original amount borrowed.
Is a negative net worth bad?
Not necessarily. Many people have negative net worth early on due to student loans or a new mortgage against a still-appreciating home. What matters is the trend — rising net worth over time shows you are moving in the right direction.
How often should I calculate my net worth?
Once or twice a year is enough for most people to spot trends without obsessing over short-term market swings. Recalculate after major events too — buying property, paying off a loan or a big change in investments.