Net Worth Calculator
Calculate your total assets minus liabilities to see your true financial position. A positive net worth means you own more than you owe.
How to Use This Calculator
List all your assets — savings, investments, real estate, vehicles, retirement accounts, and any other valuable items you own. Enter the approximate value of each. Then list all your liabilities — mortgage, auto loans, student loans, credit card debt, personal loans, and any other debts. The calculator instantly shows your net worth (assets minus liabilities), whether it's positive or negative, and a visual breakdown of your asset-to-liability ratio. It also identifies your single largest asset and liability.
How Net Worth Works
Net worth is the single best snapshot of your financial health. It's calculated as total assets minus total liabilities. A positive net worth means you own more than you owe. A negative net worth means your debts exceed your assets. Tracking your net worth over time shows whether you're building wealth or losing ground. Most people build net worth by increasing assets (saving and investing) while reducing liabilities (paying off debt). Net worth typically grows slowly at first, then accelerates as compound interest and asset appreciation work in your favor.