Net worth
Net worth calculator
Your net worth is everything you own minus everything you owe. Add up your assets, subtract your debts, and find out how much you're really worth, with a clear chart of how it breaks down.
Assets · what you own
Cash
$
Bank accounts
$
Investments
$
Primary home
$
Other property
$
Vehicles
$
Other assets
$
Liabilities · what you owe
Mortgage
$
Loans
$
Credit cards
$
Other debts
$
Resets these values back to their defaults.
Your net worth
$91,500
$238,000
Total assets
$146,500
Total debts
How your assets break down
$238.0K
Assets
Primary home
$200,000 · 84%
Investments
$15,000 · 6%
Vehicles
$12,000 · 5%
Bank accounts
$8,000 · 3%
Cash
$3,000 · 1%
Your debts
Mortgage
$140,000 · 95.6%
Loans
$6,000 · 4.1%
Credit cards
$500 · 0.3%
Your debts equal 61.6% of your assets. Net worth is what would be left if you converted all your assets to cash and paid off all your debts.
How to read the result
Net worth is one of the most useful numbers for understanding your financial situation at a glance. More important than the number itself is how it evolves: the goal is usually for it to grow steadily over time.
The distribution chart shows you where your wealth is concentrated. A distribution heavily weighted toward a single asset isn't good or bad on its own, but it's worth being aware of it.
How it's calculated
The formula is simple: net worth = total assets − total liabilities. We add up everything you own, add up everything you owe, and subtract the second from the first. The ratio between debts and assets gives you a sense of your leverage.
A simple example
Say you own a home worth $200,000, have $26,000 across cash, accounts, and investments, and a car worth $12,000. Your assets total $238,000. If you owe $140,000 on your mortgage and $6,500 in other loans, your net worth would be $91,500.
Frequently asked questions
What is net worth?
It's what's left when you subtract everything you owe (liabilities) from everything you own (assets). It represents what's truly yours: what would be left if you sold everything and paid off all your debts.
What counts as an asset?
Anything with value that you could turn into cash: cash on hand, bank accounts, investments, your home, other property, vehicles, and other valuable belongings. Use a realistic estimate of their current market value.
Should I include my home and its mortgage?
Yes. Include the market value of your home as an asset and the outstanding mortgage balance as a liability. The difference is the portion of the home that's actually yours.
Is it normal to have a negative net worth?
It can happen, especially early on, for example with a recent mortgage or student loans. What matters is the trend over time, not a single snapshot.
Do you store my data?
No. Calculations run entirely in your browser and are never sent to a server. If you want to keep your numbers, you can use the share button to generate a link with your data.
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