Net Worth Calculator
List your assets and liabilities to calculate your current net worth.
Assets
| Asset | Value |
|---|
Liabilities
| Liability | Balance owed |
|---|
Total assets:
Total liabilities:
Net worth:
What counts as an asset or a liability
Assets are things you own that hold value: cash and savings, investment and retirement accounts, real estate at current market value, and vehicles. Liabilities are what you owe: mortgage and auto loan balances, student loans, and credit card debt. Net worth is simply total assets minus total liabilities — a single snapshot of your overall financial position at a point in time.
Frequently asked questions
Should I use the purchase price or current value for assets like my home? Use current market value (or a conservative estimate) — net worth reflects what you could realistically get if you sold or liquidated the asset today, not what you originally paid.
Is a negative net worth unusual? No — it's common early in adulthood, especially for people with student loans or a recent mortgage and little accumulated savings yet. What matters more is the trend over time as you pay down debt and build assets.
How often should I recalculate my net worth? Many people find checking quarterly or annually useful for tracking progress without over-focusing on short-term market swings in investment or home values.