Net Worth Calculator

What is net worth?

Net worth is the difference between everything you own (assets) and everything you owe (liabilities). It is one of the clearest snapshots of financial health because it rolls cash, investments, property, and debt into a single number you can track over time.

How the math works

Net Worth = Total Assets − Total Liabilities
Total Assets       = everything you own, added up
Total Liabilities  = everything you owe, added up

Enter each amount in USD. Blank or negative entries count as zero. Once you have both assets and liabilities, the chart shows how each side adds up to your net worth.

What to include

• Assets: cash, savings, brokerage and retirement accounts, crypto, real estate at market value, vehicles, and other valuables you could sell.
• Liabilities: mortgages, auto and student loans, credit card balances, and any other outstanding debt.

Common mistakes

• Forgetting retirement or HSA balances.
• Using original purchase price instead of current value for a home or car.
• Listing a mortgage as an asset instead of splitting home value and loan.
• Checking once a year instead of watching the trend monthly.