Net Worth Calculator
Put your financial life into one number. Add up what you own, subtract what you owe, and see where you stand today.
Track assets and liabilities in a clean monthly snapshot
How does this tool work?
- List your assets: Add cash, investments, property, vehicles, and other valuable items.
- List your liabilities: Add debts such as loans, mortgages, and credit cards.
- Compare the totals: The calculator subtracts liabilities from assets.
- Review your position: You get a clear estimate of your current financial health.
This tool is useful for tracking progress over time, preparing for loans, or simply keeping a clearer view of your wealth.
How is this calculated?
The formula is simple:
Net Worth = Total Assets - Total LiabilitiesPractical Example
If you have $120,000 in assets and $45,000 in debts, your net worth is $75,000.
Net worth is a balance sheet, not a spending number
The most useful net worth snapshot includes liquid savings, investments, home equity, and other valuable assets, then subtracts debt. That makes the result a cleaner measure of overall financial strength than checking a bank balance alone.
Example Net Worth Snapshot
A concrete balance-sheet example makes the calculation easier to understand. It also helps users decide what to include and what to ignore when filling in the form.
| Item | Example Amount | Type |
|---|---|---|
| Cash & savings | $18,000 | Asset |
| Investments | $42,000 | Asset |
| Home equity value | $160,000 | Asset |
| Vehicle value | $14,000 | Asset |
| Mortgage balance | $120,000 | Liability |
| Student or personal loans | $12,000 | Liability |
| Credit card debt | $3,000 | Liability |
| Estimated net worth | $99,000 | Assets minus liabilities |
What should be included?
Many users underestimate net worth because they only count cash. A better approach is to include assets that you could reasonably convert to value, while also being honest about debts that reduce that value.
| Category | Include? | Examples | SEO note |
|---|---|---|---|
| Cash and savings | Yes | Checking, emergency fund, cash reserves | Most liquid asset class |
| Investments | Yes | Stocks, index funds, retirement accounts | Important for long-term wealth |
| Property and vehicles | Usually | Home equity, car value, land | Use conservative estimates |
| Credit card balances | Yes, as liability | Revolving debt, unpaid bills | Reduces net worth immediately |
| Student and personal loans | Yes, as liability | Installment loans, private loans | Useful for debt payoff planning |
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