Net Worth Calculator
Enter your assets — cash, investments, property, vehicles — and your liabilities — mortgage, loans, credit card debt — to calculate your total net worth.
How the Net Worth formula works
Net worth is simply:
Net worth = Total assets − Total liabilities
Step-by-step calculation
- Add up the current value of everything you own: cash and savings, investments, real estate, vehicles, and other valuable assets.
- Add up everything you owe: mortgage balance, loans, credit card debt, and other liabilities.
- Subtract total liabilities from total assets.
Worked example
Assets of $340,000 (home equity, savings, investments, car) and liabilities of $210,000 (mortgage balance, car loan, credit card debt): Net worth = 340,000 − 210,000 = $130,000.
Frequently asked questions
Should I use my home's market value or what I paid for it?
Use current estimated market value, not the original purchase price, since net worth reflects what your assets are worth today — and remember to list the full mortgage balance as a liability separately.
Can net worth be negative?
Yes — if liabilities exceed assets, which is common earlier in life (e.g., during and shortly after school, when student loans or a new mortgage outweigh accumulated savings) and isn't unusual or alarming on its own.