Net Worth Calculator
The one number that tracks your whole financial picture.
Assets
Debts
Total assets:
Total debts:
Net worth:
How to use this calculator
Enter your assets (cash, investments, home, vehicles) and debts (mortgage, loans, cards), then press Calculate. Assets, debts and net worth are shown.
Worked example
Add up assets: $15,000 cash, $80,000 investments, a $350,000 home and a $25,000 car gives $470,000. Against that, a $220,000 mortgage, $10,000 in other loans and $4,000 of credit card debt total $234,000. Net worth is $470,000 - $234,000 = $236,000.
What the result means
Net worth is the single number that tracks whether you are building wealth. It rises when assets grow or debts shrink, and it is the honest measure behind phrases like "I own X" - you own your equity, not the full price.
A rising net worth is a habit, not a windfall
- Pay off high-interest debt first - it is a guaranteed return.
- Grow income-producing assets rather than depreciating ones.
- Recheck every six months to see the trend, not just the snapshot.
Frequently asked questions
Should I count my home and car?
Yes, at what you could realistically sell them for, minus what you owe. They are real assets, but remember they are also things you need to live and drive.
What is a good net worth at my age?
There is no universal target, but a common rule of thumb is roughly 10x your salary saved by retirement age - track your own progress instead of chasing someone else's number.