| Assets (What You Own) | |
| Cash & Bank Accounts | |
| Checking & Savings Accounts | |
| Certificates of Deposit (CDs) | |
| Retirement Accounts | |
| 401(k) / 403(b) | |
| IRA / Roth IRA | |
| Pension / Other Retirement | |
| Investments | |
| Stocks, Bonds & Mutual Funds | |
| Crypto / Other Investments | |
| Real Estate | |
| Primary Home (Market Value) | |
| Rental / Investment Properties | |
| Vehicles | |
| Cars, Boats, RVs (Market Value) | |
| Other Assets | |
| Jewelry, Art, Collectibles | |
| Business Ownership | |
| Total Assets | $0.00 |
| Liabilities (What You Owe) | |
| Mortgage Debt | |
| Primary Mortgage Balance | |
| Home Equity Loan / HELOC | |
| Auto Loans | |
| Student Loans | |
| Credit Card Debt | |
| Personal Loans | |
| Other Debts | |
| Total Liabilities | $0.00 |
| Net Worth | $0.00 |
A net worth calculator is a personal finance tool that calculates your total net worth by adding up all of your assets and subtracting all of your liabilities. Your net worth is a snapshot of your financial health at a single point in time. This net worth calculator covers all major categories including cash, retirement accounts, investments, real estate, vehicles, mortgages, loans, and credit card debt.
The net worth calculator uses a simple formula to determine your financial position. It sums all asset categories and subtracts all liability categories.
The net worth calculator first totals all asset categories individually, then sums them into a grand total. It does the same for liabilities. The final net worth is the difference between the two. A positive net worth means you own more than you owe. A negative net worth means your debts exceed your assets.
Assets are everything you own that has financial value. The net worth calculator includes liquid assets like cash and bank accounts, retirement funds such as 401(k) and IRA accounts, taxable investments including stocks and bonds, real estate at current market value, vehicles, and other valuable personal property or business interests.
Liabilities are all debts and financial obligations you owe. The net worth calculator accounts for mortgage balances, home equity loans, auto loans, student loans, credit card balances, personal loans, and any other outstanding debts. Enter the current balance owed, not the original loan amount or monthly payment.
Your home is both an asset (the market value) and a liability (the mortgage balance). The net worth calculator handles this correctly by counting the full market value as an asset and the mortgage balance as a separate liability. The difference is your home equity, which is implicitly included in your net worth.
Net worth is the difference between your total assets and total liabilities. It is the single most important measure of personal financial health. Assets include cash, investments, real estate, and vehicles. Liabilities include mortgages, loans, and credit card debt. This net worth calculator computes the figure instantly.
A common rule of thumb is that your net worth should equal your annual income multiplied by your age divided by 10. For example, a 40-year-old earning $80,000 should have a target net worth of about $320,000. This net worth calculator helps you track your progress toward your age-based goal.
Financial advisors generally recommend calculating your net worth at least once per year. If you are actively paying down debt or building savings, quarterly tracking with this net worth calculator can help you stay motivated and see your progress over time.
Yes, you should include the current market value of your car and home as assets, and any corresponding loans as liabilities. Use realistic market values rather than what you paid or what you hope they are worth. The net worth calculator includes separate fields for vehicle values, home value, and related debts.