Net Worth Calculator
Calculate your net worth: total assets minus total liabilities.
What this calculates
Net worth is the single best snapshot of financial health: everything you own minus everything you owe. Tracked over time, it reveals whether you're actually building wealth or just earning more. This calculator sums common asset and liability categories so you can update it quarterly.
Formula & how it works
Net worth = total assets − total liabilities. Assets: cash, investments, retirement, real estate, vehicles, other valuables. Liabilities: mortgage, student loans, car loans, credit cards, other debt.
Worked example
Assets: $35k cash + $120k retirement + $310k home + $18k car = $483k. Liabilities: $240k mortgage + $22k student loans + $9k credit cards = $271k. Net worth = $212k.
Frequently asked questions
How often to recalculate?
Quarterly is plenty. Monthly leads to noise from market moves.
Include home equity?
Yes — count the home at conservative market value, mortgage as a liability. The difference is your equity.
Retirement accounts?
Include the full balance. Some prefer to mark down by expected tax rate (~20-25%) for traditional 401k/IRA.
Related calculators
- FIRE NumberCalculate the portfolio size needed for financial independence using the 4% safe withdrawal rate.
- Emergency FundCalculate the right size for your emergency fund based on monthly expenses, family situation, and job security.
- RetirementEstimate your retirement number using the 4 % rule, and project whether your current savings + monthly contributions will get you there.