Budgeting & Everyday
Net Worth Calculator
Add up what you own and what you owe to get your net worth — the single number that captures your current financial position.
Net worth
$126,500
Assets exceed liabilities
- Total assets
- $340,000
- Total liabilities
- $213,500
- Equity in assets
- $126,500
- Debt as % of assets
- 62.8%
Assets vs liabilities
- Assets — 61%
- Liabilities — 39%
Why net worth matters
Net worth is assets minus liabilities. It is more useful than income alone because it captures both sides of your balance sheet. Two people with the same income can have very different net worth depending on debt, savings and home equity.
Use conservative values for real estate and vehicles. The market value of those items can change, but the mortgage or loan balance is fixed in the short term.
Frequently asked questions
What counts as an asset?
Include things you own and could sell or spend: cash, investments, retirement accounts, property and vehicles. Use a conservative market value for property and vehicles.
Should I include my home equity or the full home value?
List the full home value under assets and the full mortgage balance under liabilities. The difference between them is your equity, which the calculator captures automatically.
How often should I calculate net worth?
Once a quarter is enough for most people. The goal is to see the trend over time, not to react to daily market moves.
Is a negative net worth bad?
It is common early in life, especially with student loans. What matters most is the direction it is moving: saving, paying down debt and investing all push it upward.