Net Worth Calculator

Calculate your net worth

This net worth calculator adds up everything you own, subtracts everything you owe and shows the difference. You build two lists, assets and liabilities, and the tool totals each one and shows your net worth straight away.

How to use it

1. Review the example Assets: Checking / Savings, Investments / 401(k), Home Value and Vehicle Value.
2. Replace the amounts with your own, rename any label, or remove a row with the × button.
3. Click + Add Assets item to add something else you own.
4. Do the same in Liabilities, which starts with Mortgage Balance, Car Loan, Credit Cards and Student Loans.
5. Read your Net Worth, plus Total Assets and Total Liabilities, below the lists.

How it works

The formula is simple:

Net worth = total assets − total liabilities

Each list is the sum of its amounts. Empty or invalid amounts count as 0. If your liabilities are larger than your assets, the net worth is shown in red as a negative number. Amounts are shown in US dollars, rounded to whole dollars.

What to include

Assets	Liabilities
Cash in checking and savings	Mortgage balance
Retirement and investment accounts	Car and personal loans
Current market value of your home	Credit card balances
Vehicles and other valuable property	Student loans and other debts

Tips

• Use what an asset would sell for today, not what you paid for it.
• Use the amount still owed on each loan, not the original loan amount.
• The tool does not save your list. Refreshing the page brings back the example values, so note your result if you want to track it over time.
• The calculation runs in your browser. It is a simple estimate, not financial advice.

Frequently asked questions

What does a negative net worth mean?

It means you owe more than you own. This is common early in a career or soon after buying a home with a large mortgage.

Should I include my home?

Yes, if you own it. Add its current value as an asset and the remaining mortgage as a liability. The difference is your home equity.

Is my data stored anywhere?

No. The values exist only on the open page and are cleared when you reload or close it.