Net Worth Calculator — Total Assets Minus Liabilities
Net worth is the single clearest number in personal finance: everything you own, minus everything you owe. It matters more than income — someone earning a lot but spending it all can have a lower net worth than a modest earner who saves. List your assets and debts below to see exactly where you stand today.
How to use this tool
- List each asset — cash, investments, retirement accounts, property value, vehicles.
- List each liability — mortgage balance, other loans, credit card debt.
- Press Calculate to see your total assets, total liabilities, and net worth.
- Track this number every few months (not daily) — the trend matters more than any single snapshot.
Frequently asked questions
What's a 'good' net worth for my age?
There's no universal number — it depends heavily on income, location and life stage. A more useful habit than comparing to others is tracking your own trend over time: is it consistently growing? That matters more than any age-based benchmark.
Should I include my primary home in net worth?
Most people do, using current market value minus remaining mortgage — but some planners exclude it since you can't easily spend home equity without selling or borrowing against it. Consider tracking both 'total net worth' and 'liquid net worth' (excluding home equity) for a fuller picture.
Why did my net worth drop even though I didn't spend more?
Investment and property values fluctuate with markets — a stock market dip or a cooling property market can lower your net worth on paper without you doing anything differently. Don't overreact to short-term swings; check the multi-month trend instead.
How often should I recalculate my net worth?
Quarterly is plenty for most people — monthly if you're actively working toward a specific financial goal. Checking daily just adds stress from normal market noise without adding useful information.