Net Worth Calculator
Add up everything you own and everything you owe to see your net worth — the single best snapshot of your overall financial health.
How to calculate net worth
Net worth = total assets − total liabilities. Assets are things you own that have value: cash, investments, retirement accounts, your home, and vehicles. Liabilities are everything you owe: your mortgage, car loans, student loans, credit card balances, and other debts. If you owe more than you own, your net worth is negative — common early in a career or right after buying a home or finishing school.
Use realistic values
Value your home at what it would likely sell for, and your car at its private-party resale value, not what you paid. Use current account balances for investments and retirement accounts. Being conservative gives you a number you can trust.
Net worth excluding home equity
Home equity is real wealth, but you can't easily spend it without selling or borrowing against the house. Net worth excluding home equity gives a sense of the savings and investments you can actually draw on.
Track it over time
The trend matters more than any single number. Recalculate every few months — copy the share link below your result to save this snapshot and compare later. Paying down debt and growing savings both raise it; see the compound interest calculator for how steady investing adds up.
Frequently asked questions
Should I include my car in net worth?
Yes, at its realistic resale value — and include the auto loan as a liability. Just remember cars lose value every year.
Do retirement accounts count toward net worth?
Yes. Some people list them at an estimated after-tax value, since traditional 401(k) and IRA withdrawals are taxed, but the simple approach is to use the current balance.
Is a negative net worth bad?
It's common for students, new graduates, and recent homebuyers. What matters is the direction: steadily paying down debt and building savings will turn it positive.
What's a good debt-to-asset ratio?
Lower is better. Under 50% means you own considerably more than you owe; a ratio above 100% means your debts exceed your assets.