How net worth calculator works
Your net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the most important single number in personal finance, showing your overall financial position at a point in time.
Assets include cash, savings, investments, retirement accounts, real estate, vehicles, and anything else of value. Liabilities include mortgages, car loans, credit card debt, student loans, and any other money you owe.
Enter your asset values as a comma-separated list, and your liability values the same way. The calculator sums each category and subtracts liabilities from assets to give your net worth. A positive number means you own more than you owe; a negative number means you owe more than you own.
Frequently asked questions
What is net worth?
Net worth is your total assets minus your total liabilities. It measures your overall financial position. A positive net worth means you own more than you owe; a negative net worth means you owe more than you own.
What counts as an asset?
Assets include cash, bank account balances, investments, retirement accounts, real estate, vehicles, and valuable possessions. Anything you own that has monetary value is an asset.
What counts as a liability?
Liabilities include mortgages, car loans, student loans, credit card balances, personal loans, and any other money you owe. Any financial obligation is a liability.
What is a good net worth?
It depends on your age, income, and location. The key is that your net worth trends upward over time as you save and invest. A positive and growing net worth is the goal.
