Net Worth Calculator
Your net worth is a snapshot of your financial health at a single moment in time. This calculator adds up everything you own and subtracts everything you owe to show where you stand.
How it works
Net worth is calculated with a simple formula: Net Worth = Total Assets − Total Liabilities. Assets are everything you own that has value, while liabilities are everything you owe.
This calculator groups your assets into cash, investments, and property, then subtracts your mortgage, loans, and other debts. A positive number means you own more than you owe; a negative number means the opposite.
Tips
Update your net worth every few months to track progress over time — the trend matters more than any single number.
Use realistic, current market values for property and investments rather than what you paid. Reducing high-interest debt is often the fastest way to grow your net worth.
FAQ
What is a good net worth?
There's no universal target — it depends on your age, income, and goals. A common benchmark is having net worth equal to your annual income by 30 and several times that by retirement.
Should I include my home in net worth?
Yes. Include your home's current market value as an asset and the remaining mortgage as a liability. The difference (your equity) contributes to net worth.
Can net worth be negative?
Yes. If your debts exceed your assets — common with student loans or early in a mortgage — your net worth is negative. It typically improves as you pay down debt and build savings.