Net Worth Calculator
Last updated: June 2026 · Free · No sign-up required
Enter values above and click Calculate to see your result instantly.
Quick reference
| Counts as an asset | Counts as a liability |
|---|---|
| Cash & bank balances | Mortgage balance |
| Investments & retirement | Auto & student loans |
| Home & property (market value) | Credit-card debt |
| Vehicles, valuables | Personal & medical loans |
| Business equity | Taxes owed |
savings Plan with confidence
Finance decisions get a lot easier when you can see the full picture. Enter your numbers above to see total payments, interest paid, and the long-term cost of every choice — so you can compare options side by side before signing anything.
percent How the math works
We use the standard amortization, compound-interest and present-value formulas published by the Consumer Financial Protection Bureau and the Federal Reserve. The methodology block below shows every variable and rounding step we apply, so the answer is never a black box.
shield_lock Your data stays private
Every calculation happens in your browser with JavaScript — your income, balances, and loan numbers are never sent to our servers, logged, or shared. Close the tab and the inputs vanish. No sign-up, no tracking pixels on the form, no spreadsheet emailed to you later.
lightbulb Pro tip
Save the URL after you calculate — your inputs aren't stored, so write down the headline number plus the breakdown. Then come back and edit one variable at a time (down payment, rate, term) to see exactly which lever moves your monthly figure the most. That's where the real planning happens.
Interpretation guide
| Net worth | What it means |
|---|---|
| Negative | Debts exceed assets — common early or with student loans |
| $0 – break-even | Assets and debts balance; focus on cash flow |
| Positive & rising | Building wealth — keep the trend |
| Liquid > 6 mo expenses | Healthy emergency buffer in place |
Formula & methodology
Formula: Net worth = Total assets - Total liabilities
How net worth is calculated
Net worth is a single snapshot of financial health: everything you own minus everything you owe.
- Add up assets at current market value — cash, investments, retirement accounts, home, car, and other valuables.
- Add up liabilities — mortgage, loans, and credit-card balances.
- Subtract liabilities from assets.
Example
Assets: $25,000 savings + $80,000 retirement + $300,000 home = $405,000. Liabilities: $220,000 mortgage + $15,000 car loan + $5,000 cards = $240,000. Net worth = 405,000 - 240,000 = $165,000.
Track it quarterly; the trend matters more than any single number. Use market values, and update home and investment figures as they change.
Authoritative source: SEC Investor.gov