Net Worth Calculator
Add up everything you own, subtract everything you owe, and see your net worth in one number — the single best scorecard of your financial position.
Reviewed by the CalcCafe editorial team · Last updated 18 July 2026 · How we test our tools
Example
Say you own a $350,000 home, $20,000 of vehicles, $30,000 in cash and savings, $120,000 in investments, $150,000 in retirement accounts and $10,000 of other assets — $680,000 of total assets. Against that you owe a $220,000 mortgage, $12,000 in auto loans, $25,000 in student loans and $5,000 on credit cards — $262,000 of liabilities. Your net worth is 680,000 − 262,000 = $418,000.
How it works
Total assets is the sum of the six asset fields at current market value; total liabilities is the sum of the five debt balances at today's payoff amounts. Net worth is simply assets minus liabilities — it can be negative, which is common early in a career when student loans exceed savings. The debt-share stat shows liabilities as a percentage of assets, a quick read on overall leverage.
Good to know
An asset is anything you own that has resale value: real estate, vehicles, bank balances, brokerage and retirement accounts, business equity, even valuable collectibles. A liability is any money you owe: mortgages, car loans, student debt, credit-card balances, personal loans. Note that a financed car appears on both sides — its market value as an asset, its loan balance as a liability — and only the difference adds to net worth. Everyday possessions like furniture and electronics are usually left out or listed at token resale values, because they rarely convert to meaningful cash.
Benchmarks help make the number meaningful. The Federal Reserve's 2022 Survey of Consumer Finances put the median US household net worth at about $192,700, while the average was over $1 million — a gap driven by very wealthy households pulling the mean upward, which is why the median is the honest comparison point. By age group, median net worth in 2022 ran from roughly $39,000 for households under 35 to about $410,000 for those aged 65–74, so a rising trajectory matters more than any single snapshot.
Home equity deserves care. Count the home at a realistic market value — a recent appraisal or conservative comparable sales, not an optimistic listing price — and remember that equity is illiquid: you cannot spend it without selling, downsizing or borrowing against it. Many planners track two figures: total net worth, and liquid net worth excluding home equity, which better reflects the money that could actually fund an emergency or an early retirement. The same logic applies to retirement accounts, which carry taxes and penalties for early access.
Net worth beats income as a scorecard because it measures what you keep, not what passes through your hands. A high earner who spends everything builds nothing, while a modest earner who saves steadily compounds real wealth. A quarterly or semi-annual check is the sweet spot for most people: often enough to catch drift, rare enough that market noise does not dominate. Watch the trend line — net worth growing faster than your contributions means compounding has started doing the heavy lifting.
Frequently asked questions
How do I calculate my net worth?
Add up the current market value of everything you own — home, vehicles, cash, investments, retirement accounts — then subtract every debt: mortgage, auto loans, student loans, credit cards and other balances. The result, assets minus liabilities, is your net worth.
What counts as an asset and what counts as a liability?
Assets are things you own with resale value: property, vehicles, bank and brokerage accounts, retirement funds. Liabilities are debts you owe: mortgage, loans and card balances. A financed car counts on both sides — its value as an asset and its remaining loan as a liability.
Is my financial information uploaded anywhere?
No — this calculator runs entirely in your browser. Your account balances and debts never leave your device, and the tool works offline once the page has loaded.
Is this net worth calculator free?
Yes, completely free with no sign-up and no limits. Update your numbers each quarter to track your trend over time.
People also ask
What is the average net worth in the US?
The Federal Reserve's 2022 Survey of Consumer Finances found a median US household net worth of about $192,700; the average was over $1 million but is skewed by the wealthiest households. Medians by age range from roughly $39,000 under 35 to about $410,000 at ages 65–74.
Should I include my home in my net worth?
Yes — count its realistic market value as an asset and the mortgage balance as a liability, so only your equity adds to net worth. Many people also track a liquid net worth that excludes home equity, since you cannot spend a house without selling or borrowing against it.
Is a negative net worth bad?
It is common early in adult life, when student loans and a car loan can outweigh savings. What matters is the direction: paying down debt and investing consistently should push the number upward year over year. Treat the first positive net worth as a milestone, not the finish line.
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Sources & references
These tools follow our methodology and provide educational estimates only — verify important figures with a qualified professional.