Net Worth Calculator
Net worth is the single clearest snapshot of your financial position: everything you own minus everything you owe. Tracking it over time shows whether your wealth is genuinely growing, regardless of income. This calculator adds up your assets and liabilities and works in any currency.
- Assets
- Liabilities
- Total assets
- $335,000.00
- Total liabilities
- $220,000.00
- Net worth
- $115,000.00
Your assets exceed your debts by 115000. Liabilities are 66% of your assets — the lower that ratio, the more financial cushion you hold.
How it works
Assets are anything with monetary value you could convert to cash: money in the bank, investment and retirement accounts, the market value of property, vehicles, and other valuables. Liabilities are everything you owe: a mortgage, car or personal loans, student debt, and outstanding credit balances. Net worth is simply the first total minus the second.
The number matters less than its direction. A net worth that climbs year after year means you are accumulating assets faster than debt — the essence of building wealth. A flat or falling figure, even on a high income, signals that spending and borrowing are keeping pace with what you earn. Because the calculation strips away income entirely, it cuts through lifestyle and shows the underlying balance sheet.
The assets-versus-liabilities split is just as useful as the total. A high asset figure propped up by an equally high debt load is more fragile than a smaller, debt-light balance sheet. Watch the ratio of liabilities to assets: as it falls, your financial cushion grows and you become more resilient to shocks. Use realistic, current market values — especially for property and investments, which move — and recalculate every few months. Switch the currency at the top to read your position in your own.
Net worth = total assets − total liabilities. Total assets = cash + investments + property + other assets. Total liabilities = mortgage + loans + other debts. A negative result means liabilities exceed assets.
Worked example
Suppose you hold 5,000 in cash, 20,000 in investments, a 300,000 property, and 10,000 in other assets — 335,000 in total. Against that you owe a 200,000 mortgage, 15,000 in loans, and 5,000 in other debts — 220,000 in liabilities. Your net worth is 335,000 − 220,000 = 115,000, with debts equal to about 66% of your assets.
Things to watch out for
A negative net worth is normal and not an error — recent graduates and new homeowners often carry more debt than assets early on. Asset values are estimates: property and investments fluctuate, so use current market figures rather than purchase prices. Illiquid assets like a home cannot be spent without selling, so a healthy net worth does not always mean ready cash. Exclude items you would never sell, such as everyday possessions, to keep the figure meaningful.
Frequently asked questions
Can my net worth be negative?+
Yes, and it is common. If your debts — a mortgage, student loans, or credit balances — exceed the value of what you own, net worth is negative. The goal is to push it positive and growing over time, not to panic about a single snapshot.
Should I include my home in net worth?+
Yes — count the home's current market value as an asset and the outstanding mortgage as a liability. The difference is your home equity, which forms part of your net worth even though it is not liquid.
How often should I calculate it?+
Every three to six months is plenty for most people. Tracking it on a consistent schedule reveals the trend, which matters far more than any single reading.
What's a good net worth?+
There is no universal target — it depends on age, income, and goals. The most useful benchmark is your own past figures: a net worth that rises steadily is the sign of real financial progress.
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Disclaimer: This calculator is for educational and informational purposes only and provides estimates, not financial advice. Interest rates, taxes, fees, and local rules vary and change over time. Confirm figures with a qualified professional before making any financial decision.
Last reviewed: 2026-06-22