💎 Net Worth Calculator
What you own, minus what you owe — the clearest financial progress number.
💰 Assets (What You Own)
💳 Liabilities (What You Owe)
How This Is Calculated
Net Worth = Total Assets − Total Liabilities. Tracking this number over time (many people check it once a year) shows your overall financial trajectory better than any single account balance.
Frequently Asked Questions
What counts as an asset?
Cash and savings, investment and retirement accounts, your home's market value, vehicles, and other
valuable property. Everyday personal items are usually excluded.
Is a negative net worth bad?
It's common, especially early in life. What matters most is the trend over time — net worth is most useful
when tracked periodically to see whether you're moving in the right direction.
Guide: understanding your result
- Net worth = everything you own (assets) − everything you owe (liabilities).
- Use realistic market values for assets like a home or car, not the purchase price.
- Tracking it once or twice a year shows direction better than a single number.
Worked example
Assets of $25,000 in savings, $60,000 in retirement accounts, a $350,000 home and a $15,000 car total $450,000. Liabilities of a $270,000 mortgage, $9,000 car loan and $3,000 card balance total $282,000. Net worth: $168,000.
Common mistakes to avoid
- Counting a vehicle at purchase price instead of current value.
- Leaving out small debts such as medical bills or buy-now-pay-later balances.
Official sources
Examples are calculated live from the same data the calculator uses and are for education only — they are not financial, tax or investment advice.
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