Net Worth Calculator
Track your total net worth by adding assets and liabilities
Assets
Liabilities
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What is this tool?
The Net Worth Calculator helps you track your overall financial health by summing all assets and subtracting all liabilities. Add each asset (cash, investments, property) and liability (loans, debts, credit cards) to see your net worth, asset-liability ratio, and a breakdown chart.
How to use
- 1
Add assets
Enter each asset with a name and value (cash, stocks, real estate, etc.).
- 2
Add liabilities
Enter each liability with a name and amount (mortgage, loans, credit cards, etc.).
- 3
View summary
See total assets, total liabilities, net worth, and asset-liability ratio with a chart.
Frequently Asked Questions
What is a healthy net worth?
A common benchmark is net worth ≥ age × annual income / 10. A 30-year-old earning $100,000/year should target $300,000 net worth. A negative net worth means liabilities exceed assets.
Should I include my primary residence?
Most financial planners include it, but you can choose either way. Including it gives a fuller picture of total wealth, while excluding it shows liquid net worth.
How often should I calculate net worth?
Monthly tracking gives the most insight, but quarterly or annually is fine for most people. The trend matters more than any single number.
How do I calculate my net worth?
Add up everything you own: cash, bank accounts, investments, property, vehicles. Then subtract everything you owe: mortgages, loans, credit card balances. The difference is your net worth. This calculator adds each asset and liability as a line item and shows the total. It is a snapshot: tracking the trend across several snapshots over time is more meaningful than any single number.
What is net worth?
Net worth is the value you would have left today if you sold everything you own and paid off everything you owe. It combines income-driven wealth (cash, savings, investments) with asset wealth (property, vehicles) into a single number, which is why a high earner carrying heavy debt can end up with a lower net worth than a moderate earner who owns a home outright.