Net Worth Calculator
Add up everything you own, subtract everything you owe, and see exactly where you stand financially — the single number that matters most in personal finance. This free online financial calculator runs entirely in your browser — no signup, no data sent anywhere.
Inputs
Results
How It Works (Formula & Method)
Net Worth = Total Assets − Total Liabilities. Assets are anything that could be converted to cash. Liabilities are anything you owe. Two numbers, one subtraction — the simplicity is the point. The most useful refinement is "liquid net worth," which excludes your primary home (since you have to live somewhere) and counts only the assets you could actually spend without major lifestyle changes.
Worked Example
Below is a worked example using the calculator's default values. The same numbers are pre-filled in the form above so you can press Calculate and see the result without typing anything.
Inputs used:
- Cash & Savings ($): 5000
- Investments (Taxable) ($): 25000
- Retirement Accounts ($): 50000
- Home / Real Estate Value ($): 350000
- Vehicles ($): 18000
- Other Assets ($): 5000
- Mortgage Balance ($): 230000
- Auto Loans ($): 8000
With these inputs, the calculator computes the metrics shown in the Results panel. Change any value and press Calculate again to see how the result responds — the live widget and the chart both update instantly.
About the Net Worth Calculator
Your net worth is the single most useful number in personal finance: the value of everything you own minus everything you owe. Income tells you how much money you make; net worth tells you how much you have actually kept. Watching this number trend upward over time, year after year, is the clearest indicator that your financial plan is working.
How to Use This Calculator
List every asset you have — cash in checking and savings, taxable investments (brokerage accounts), retirement accounts (401(k), IRA, Roth), home equity (or market value if you own it outright), vehicles, and anything else of meaningful value. Then list every debt: mortgage balance, auto loans, credit cards, student loans, personal loans. Subtract the second from the first.
Tips & Considerations
- Update your net worth quarterly. The trend matters more than the absolute number.
- Use today's realistic resale value for assets, not what you paid. A car loses 20% the day you drive it off the lot.
- Net worth is a snapshot, not a verdict. Younger people with student debt often have negative net worth — that is normal and reverses with time.
- Compare yourself only to your past self, not to other people in your peer group. Their numbers may not include the same things, or may not be honest.
Frequently Asked Questions
Should I include my house in net worth?
Yes — use a realistic market value minus the mortgage balance. Some people prefer "liquid net worth" which excludes the primary residence, since you cannot easily spend equity without selling or borrowing.
What about my car?
Include it at current resale value (Kelley Blue Book trade-in price is a fair estimate), not what you paid. Subtract any outstanding auto loan.
What is a healthy net worth for my age?
A common benchmark: roughly 1× annual salary by 30, 3× by 40, 6× by 50, 8× by 60, 10× by retirement. These are rough guideposts, not requirements.
Should I include private pensions or Social Security?
Typically no for a basic net-worth snapshot — they are streams of future income rather than balances you can spend. Some advisors include the present value of expected pension income separately.
Reviewed against: IRS publications, Consumer Financial Protection Bureau (consumerfinance.gov), and current published market data. Results are estimates for educational use only — not financial, tax, or legal advice.