Net Worth Calculator
Estimate net worth by entering assets and liabilities across cash, investments, real estate, vehicles, mortgages, loans, credit cards, and other debts. A positive net worth means your assets outweigh your debts - the benchmark for financial health.
Total Assets
$0
Total Liabilities
$0
Net Worth
$0
Assets
Cash & Bank Accounts
$0
Investments
$0
Real Estate
$0
Vehicles
$0
Other Assets
$0
Liabilities
Mortgage
$0
Student Loans
$0
Car Loans
$0
Credit Cards
$0
Other Debts
$0
Methodology and limitations
Last reviewed:
Methodology
Adds user-entered asset values, adds user-entered liability values, and subtracts liabilities from assets to estimate net worth.
Limitations
Planning snapshot only. It does not adjust for taxes, liquidation costs, asset valuation uncertainty, credit reporting, estate planning, or legal ownership rules.
Official sources
How to Use the Net Worth Calculator
Estimate net worth by entering assets and liabilities across cash, investments, real estate, vehicles, mortgages, loans, credit cards, and other debts. A positive net worth means your assets outweigh your debts - the benchmark for financial health.
Method used
This calculator adds asset values by category, adds liabilities by category, and subtracts total liabilities from total assets.
Net worth = total assets - total liabilities
Practical example
Example: enter cash, investment accounts, home value, vehicles, mortgage balance, student loans, car loans, and credit card balances.
- Cash and bank accounts
- Investments and retirement accounts
- Real estate and vehicles
- Mortgage, loans, credit cards, and other debts
The result shows total assets, total liabilities, net worth, and category-level subtotals.
Assumptions
- Asset and liability values are user-entered estimates.
- The calculator treats all values as current-dollar amounts.
What this includes
- Common asset categories, common liability categories, and net worth total.
What this excludes
- Tax basis, selling costs, liquidity discounts, credit score impact, estate planning, and investment risk.
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Frequently Asked Questions
How is net worth calculated?
Net worth is calculated as total assets minus total liabilities. Assets are everything you own that has monetary value - cash, investments, retirement accounts, real estate, vehicles, and other property. Liabilities are everything you owe - mortgages, student loans, auto loans, credit card balances, personal loans, and other debts. A positive net worth means you own more than you owe. Tracking net worth over time is one of the most reliable measures of long-term financial progress.
What counts as an asset?
Assets include cash and checking accounts, savings accounts, taxable investment accounts, retirement accounts (401(k), IRA, Roth IRA), real estate at current market value, vehicles at current resale value, business equity, and valuable personal property. Use realistic current market values rather than original purchase prices - especially for homes and cars, which may have appreciated or depreciated significantly since you acquired them.
What counts as a liability?
Liabilities include your primary mortgage balance, home equity loans, student loan balances, auto loan balances, credit card balances, personal loans, medical debt, and any other outstanding obligations. Use current payoff balances from your most recent statements rather than original loan amounts. Include all debts even if you plan to pay them off soon - net worth reflects your financial position today, not a future projection.
Does this estimate taxes or selling costs?
No. Values are entered as current estimates and do not adjust for capital gains taxes on appreciated investments, realtor commissions on home sales, early withdrawal penalties on retirement accounts, or liquidity discounts on hard-to-sell assets. Your liquid net worth - cash and investments you could access quickly without penalty - may be significantly lower than total net worth if most of your wealth is tied up in home equity or retirement accounts.
What is a good net worth by age?
Benchmarks vary widely by income, location, and life stage. A common rule of thumb suggests net worth equal to your annual salary by age 30, three times salary by 40, six times by 50, and ten times by 60. These are rough guides - not targets. Use this calculator to establish your current baseline, then recalculate quarterly or annually to track whether your net worth is growing over time relative to your goals.