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Finance & money·Investment

Net Worth Calculator

Calculate your net worth by entering assets and liabilities by category. See your debt-to-asset ratio and a full breakdown — no account or sign-up needed.

Added May 31, 2026

Quick examples

Input

Result

Enter a value for cash & bank accounts to see your result.

How it works

Calculates your personal net worth by summing all assets and subtracting all liabilities. Shows a categorised breakdown so you can see where your wealth is concentrated and track changes over time.

Formula

Net worth = Total assets − Total liabilities

Total assets
Sum of all things you own with monetary value
Total liabilities
Sum of all debts and financial obligations owed

Step by step

  1. 01Enter the current market value for each asset category — use today's resale value, not what you paid.
  2. 02Enter the outstanding balance for each liability — the amount you still owe.
  3. 03Total assets minus total liabilities equals your net worth.
  4. 04A positive number means you own more than you owe. Negative net worth is common early in life and is not a crisis if trending upward.

Examples

Homeowner with mortgage and credit card debt

Total assets of $402,500 minus total liabilities of $294,100 gives a net worth of $108,400.

Inputs

Cash & bank accounts:
8500
Investments (brokerage, stocks):
24000
Retirement accounts (401k, IRA):
42000
Real estate (market value):
310000
Vehicles (resale value):
18000
Other assets (crypto, valuables):
0
Mortgage balance:
268000
Auto loan balance:
9200
Student loan balance:
14800
Credit card balances:
2100
Other liabilities:
0

Result

Net worth:
108400
Note: Use current resale value for assets, not purchase price. Vehicles especially depreciate quickly. Retirement accounts should be included at their current balance — but remember early withdrawal penalties if you needed to liquidate. Home equity is real wealth, but it's illiquid — you can't spend it without selling or borrowing against the property.

Frequently asked questions

What is a good net worth?

There is no universal answer — it depends heavily on age, income, and cost of living. The US median net worth for people aged 35–44 is around $135,000; for 55–64 it's around $364,000 (Federal Reserve, 2022). A better question: is your net worth trending upward each year?

Should I include my home in net worth?

Yes — your home's current market value is an asset, and your outstanding mortgage balance is a liability. The difference (home equity) is part of your net worth. Just remember that home equity is illiquid; you can't spend it without selling or taking out a loan against it.

Should I include retirement accounts?

Yes, at their current balance. For traditional 401(k) or IRA accounts, some financial planners subtract the estimated future tax liability (typically 15–25%) to get the after-tax net worth — but for simplicity, most people include the full balance.

How often should I calculate my net worth?

Quarterly or annually is enough. Monthly calculations are too noisy — stock market swings and real estate estimates make it hard to see the underlying trend. What matters is the direction over 12+ months, not week-to-week variation.

What is a debt-to-asset ratio?

Debt-to-asset ratio is total liabilities divided by total assets, expressed as a percentage. A ratio below 50% means more than half your asset value is unencumbered. Above 100% means you owe more than you own (negative net worth).