Finance
Net Worth Calculator
See your complete financial picture. Add your assets and liabilities to instantly calculate your net worth.
Total Assets
$535,000
Total Liabilities
$340,000
Net Worth
$195,000
Assets
Liabilities
Frequently asked questions
What should I include in my net worth?
Include all assets of significant value: cash, investments, retirement accounts, home equity, vehicles, and valuable personal property. For liabilities: mortgages, car loans, student loans, credit card balances, personal loans, and any other debt.
How often should I calculate my net worth?
Monthly or quarterly is ideal for tracking progress. Seeing your net worth trend over time is more meaningful than any single number. A rising trend means you're building wealth; a falling trend may signal a need to adjust your financial habits.
Should I include my home and car?
Yes — include the estimated market value as an asset and the remaining mortgage/loan balance as a liability. The net equity (value minus loan) is included in your net worth. For cars, use the Kelley Blue Book or similar estimate.
Is a negative net worth bad?
A negative net worth is common early in life, especially with student loans and mortgages. What matters is the trend. If you're consistently paying down debt and building assets, your net worth should become positive and grow over time.
Calculate your net worth with our free net worth calculator. Add your assets and liabilities to see your complete financial picture instantly.
Track your net worth over time to measure your financial progress. Understanding your net worth is the first step toward building long-term wealth and making informed financial decisions.