Net Worth Calculator
Net worth — your assets minus your liabilities — is the single best measure of your overall financial health, and tracking it over time tells you whether you're truly building wealth rather than just earning income that flows right back out. This calculator totals your assets (cash, investments, retirement accounts, real estate, and other valuable assets) and your liabilities (mortgage, car loans, student loans, credit cards, and other debts) to reveal your current net worth, and it breaks down your assets and debts so you can see the composition of your wealth. Enter your assets by category and your liabilities by category, and the calculator returns your total assets, total liabilities, and your net worth, plus the asset and debt breakdown. A positive and growing net worth is the goal, and the trend matters more than any single number — a net worth that rises year over year, even slowly, means you're moving in the right direction. If your net worth is negative (common for recent graduates with student loans), the focus is on paying down debt and building assets until you cross into positive territory. Tracking net worth annually is a powerful habit because it captures the combined effect of all your financial decisions — saving, investing, debt payoff, and spending — in one number, and it's more meaningful than income alone, since high earners with high spending can have low net worth while modest earners who save consistently build substantial wealth. Use this calculator to find your starting net worth, set a baseline to track against, and revisit it yearly to measure your progress toward your financial goals.
Net Worth Calculator
Total your assets and liabilities to find your net worth.
Assets
Liabilities
Your net worth
$172,000
Positive — keep building
Total assets
$445,000
Total liabilities
$273,000
Net worth is the truest measure of financial health. Track it quarterly and focus on the long-term trend — growing assets and reducing liabilities both increase it.
About This Calculator
Net worth — your assets minus your liabilities — is the single best measure of your overall financial health, and tracking it over time tells you whether you're truly building wealth rather than just earning income that flows right back out. This calculator totals your assets (cash, investments, retirement accounts, real estate, and other valuable assets) and your liabilities (mortgage, car loans, student loans, credit cards, and other debts) to reveal your current net worth, and it breaks down your assets and debts so you can see the composition of your wealth. Enter your assets by category and your liabilities by category, and the calculator returns your total assets, total liabilities, and your net worth, plus the asset and debt breakdown. A positive and growing net worth is the goal, and the trend matters more than any single number — a net worth that rises year over year, even slowly, means you're moving in the right direction. If your net worth is negative (common for recent graduates with student loans), the focus is on paying down debt and building assets until you cross into positive territory. Tracking net worth annually is a powerful habit because it captures the combined effect of all your financial decisions — saving, investing, debt payoff, and spending — in one number, and it's more meaningful than income alone, since high earners with high spending can have low net worth while modest earners who save consistently build substantial wealth. Use this calculator to find your starting net worth, set a baseline to track against, and revisit it yearly to measure your progress toward your financial goals.
Disclaimer: This calculator provides estimates for educational purposes only and does not constitute financial, tax, or investment advice. Results depend on assumptions that may not reflect your actual situation.
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Written by
James MitchellSenior Financial Analyst & Personal Finance Expert
Certified Financial Planner (CFP) • MBA in Finance, University of Chicago Booth School of Business