🏦 Net Worth Calculator
Your net worth is everything you own minus everything you owe. Tracking it once or twice a year is one of the simplest ways to see real financial progress.
How the Net Worth Calculator works
All asset values are added, all debt balances are added, and debts are subtracted from assets. Use today's market value for homes and cars, not what you paid.
Step-by-step calculation
- 1Add up everything you own at today's value.
- 2Add up everything you owe.
- 3Subtract debts from assets.
Worked example
Assets of $490,000 (cash $15,000, investments $40,000, retirement $60,000, home $350,000, car $20,000, other $5,000) minus debts of $284,000 = net worth of $206,000.
Net Worth Calculator examples
| Cash & savings ($) | Net worth |
|---|---|
| 7,500 | $198,500.00 |
| 11,250 | $202,250.00 |
| 15,000 | $206,000.00 |
| 18,750 | $209,750.00 |
| 22,500 | $213,500.00 |
Other inputs kept at the calculator's default values. Results calculated by this calculator.
Why use a Net Worth Calculator?
Track real financial progress over time.
Important factors that can affect your results
- Use realistic market values.
- Cars lose value every year.
- Retirement accounts may be taxed when withdrawn.
Frequently asked questions
Is a negative net worth bad?
It is common early in a career, especially with student loans. What matters most is that it grows over time.
Should I include my car?
Yes, at its current resale value, but remember cars lose value every year.
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Last reviewed November 2026 · How we build and check our tools · Report a problem