Net Worth Calculator

Your net worth is the single clearest measure of your financial position. The formula is simple: Net Worth = Assets − Liabilities. Assets are everything you own that has value — cash, investments, retirement accounts, property, a car, crypto. Liabilities are everything you owe — a mortgage, student loans, a car loan, credit card balances. Subtract the second number from the first and you have your net worth.

That one number matters more than your salary or the balance of any single account. It captures the whole picture at once, and tracking it over time shows whether you are genuinely building wealth — paying down debt and growing assets — or just moving money around. A negative net worth is common early on, especially with student loans or a new mortgage; the trend over months and years is what counts.

Pick your currency, then fill in each field with your best current estimate. Put everything you own in the assets column and everything you owe in the liabilities column. The calculator adds up both sides and updates your net worth live as you type — there is no submit button and nothing is saved or sent anywhere. The bar chart below the totals shows your assets against your liabilities at a glance, so you can see how much of what you own is offset by what you owe.

Don't worry about getting every figure exact on the first pass. Round numbers are fine for a first estimate, and you can refine them as you go. Because the tool runs entirely in your browser and stores nothing, you can safely enter real figures, revisit the page whenever you like, and redo the calculation as your balances change.

On the assets side, include cash and savings accounts, investments such as stocks, ETFs, and funds, retirement accounts like a 401(k), IRA, or pension, the current market value of any property you own, crypto, vehicles, and anything else of real resale value. Use realistic market values, not what you paid — a home is worth what it would sell for today, minus nothing (the mortgage goes on the other side).

On the liabilities side, include your remaining mortgage balance, student loans, car loans, outstanding credit card debt, and any other loans or money you owe. The goal is a complete picture, so it is better to include a rough estimate than to leave a debt out entirely.

There is no universal target — a good net worth depends heavily on your age, income, cost of living, and where you are in life. A 25-year-old paying off student loans and a 55-year-old near retirement are on completely different curves, and comparing yourself to a single headline figure is rarely useful. A more honest benchmark is your own trajectory: is your net worth higher than it was a year ago? If you want context on where you stand relative to your age group, see our guide to average net worth by age, and the step-by-step walkthrough of calculating your net worth for a deeper method.