Net Worth Calculator
Add your assets, subtract your liabilities, and see your net worth. Free and accurate.
Independently verified for accuracy
Calculator by Toolsloft ↗- Total assets
- 305000
- Total liabilities
- 188000
- Net worth
- 117000
This calculator adds up everything you own, subtracts everything you owe, and shows your net worth. Track it over time to see whether your finances are moving in the right direction as you pay down debt and build savings.
How this is calculated
Net worth is total assets minus total liabilities. Assets include cash, investments, retirement accounts, and property value. Liabilities include mortgages, loans, and credit card balances. The result can be negative when what you owe is greater than what you own.
How to use
- Enter each asset amount, one per line, such as cash, investments, and property value.
- Enter each liability amount, one per line, such as mortgages, loans, and credit card balances.
- Read your total assets, total liabilities, and net worth.
Examples
- $305,000 assets, $188,000 debts:
net worth $117,000 - $5,000 assets, $12,000 debts:
net worth -$7,000
FAQ
- What counts as an asset or a liability?
- Assets are things you own that have value: cash, savings, investments, retirement accounts, and property. Liabilities are what you owe: mortgages, car loans, student loans, and credit card balances.
- Can net worth be negative?
- Yes. When your liabilities are larger than your assets, your net worth is negative. This is common early on, for example with student loans or a new mortgage, and it can improve as you pay down debt.