Net Worth Calculator
Calculate your total net worth by subtracting liabilities from assets
Assets
Everything you own that has value
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Liabilities
Everything you owe
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Learn More
Understanding This Calculator
What this calculator does
This calculator sums your assets (cash, investments, home, retirement) and subtracts your liabilities (debts, mortgage) to show your net worth — the single best measure of overall financial health.
How to use the results
- 1.List all assets with their current values.
- 2.List all liabilities (what you owe).
- 3.The result is your net worth; track it over time to measure progress.
Worked example
Assets: $30,000 savings, $120,000 investments, $300,000 home, $80,000 retirement = $530,000. Liabilities: $220,000 mortgage, $15,000 car loan, $8,000 cards = $243,000. Net worth: $287,000.
Important assumptions & limitations
- •Home and car values should be realistic market estimates, not purchase prices.
- •Retirement accounts use current balance, not projected future value.
- •Does not include future income or Social Security — net worth is a snapshot, not a forecast.
Frequently asked questions
Mike Starr
Founder, FinanceWizardTools · M.S. Organizational Management
Mike Starr
Founder, FinanceWizardTools · M.S. Organizational Management