Net Worth Calculator
Add up what you own and what you owe to find your net worth, with a simple breakdown by category.
Assets (what you own)
Debts (what you owe)
Results
| Item | Value |
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Breakdown
| Category | Amount | Share |
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Quick Answer
Net worth = total assets − total debts. If you own $475,000 in savings, investments, a home and a car, and owe $284,000 on a mortgage, loans and cards, your net worth is $191,000.
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Table of Contents
How This Net Worth Calculator Works
Net worth is a snapshot of your finances. Enter the value of what you own and the balance of what you owe. Leave any box you do not need at zero.
Quick explanation: net worth = assets − debts.
- Assets: cash, investments, retirement accounts, property and vehicles.
- Debts: mortgage, loans and card balances.
- Negative net worth: common early on, for example with student loans.
Core Formulas
- Total assets: sum of everything you own
- Total debts: sum of everything you owe
- Net worth: total assets − total debts
- Debt-to-asset ratio: total debts ÷ total assets × 100
Worked Example
A recent graduate has $4,000 in savings, a car worth $9,000, $28,000 in student loans and $2,000 on a credit card.
- Total assets = $13,000
- Total debts = $30,000
- Net worth = 13,000 − 30,000 = −$17,000
Tips for Tracking Net Worth
- Be realistic: use what a car or home would sell for today.
- Check yearly: the trend matters more than one number.
- Pay down high-interest debt: it raises net worth quickly.
- Leave out everyday items: furniture and clothes are rarely worth much when sold.
Frequently Asked Questions
Add up the value of everything you own, then subtract everything you owe.
Yes. Include its market value as an asset and the mortgage as a debt.
It is common when you are young or have student loans. What matters is the direction over time.
Yes. They are assets, though taxes may be due when you take money out.
No. The numbers stay in your browser and are not stored.
References & Sources
| Source | Used For | Link |
|---|---|---|
| Federal Reserve, Survey of Consumer Finances | US household net worth data. | https://www.federalreserve.gov/econres/scfindex.htm |
| Wikipedia, Net worth | Definition of net worth. | https://en.wikipedia.org/wiki/Net_worth |