Net Worth Calculator
Add up your assets and debts to find your net worth.
What is net worth?
Net worth is everything you own minus everything you owe. It is the best single number for your financial health because it tracks progress, not just income. Positive and growing is the goal.
How to grow it
Raise your income, spend less than you earn, pay down high-interest debt and invest the difference. Recalculate every six months to see the trend.
Worked example
Last reviewed November 2026. Formulas are standard and shown in the sections above; results are estimates.
Tips and common mistakes
- Use realistic values for cars and valuables, not the price you paid.
- Track the number at the same time each year.
- Focus on the trend, not the total.
Learn more
Frequently asked questions
Can net worth be negative?
Yes, especially with student loans or a new mortgage. It usually improves with time.
Should I include my home?
Yes, at market value, with the mortgage as a debt.
How often should I check it?
Every three to twelve months is enough.
Money guides for this topic
All guides →What Is Net Worth and How Do You Grow It?
Assets minus debts is the one number that shows your progress. Learn how to calculate it and the levers that raise it.
Read guide →How to Make a Budget in 5 Simple Steps
A beginner-friendly guide to building a monthly budget that you can actually stick to.
Read guide →How to Fix Bad Financial Condition with Math: A 7-Step Recovery Plan
A step-by-step plan, with real numbers, to climb out of a money hole: find the gap, cut and earn, pay debt smartly and build a safety net.
Read guide →Related calculators
50/30/20 Budget Calculator
Split your take-home pay into needs, wants and savings using the 50/30/20 rule. Free and instant.
Open calculator →Monthly Financial Planner
Enter your income and spending to see your surplus, savings rate and a simple plan for the money left over.
Open calculator →Wedding Budget Calculator
Add up wedding costs, see what is left of your budget and the cost per guest.
Open calculator →Results are estimates and not financial advice.