Net Worth Calculator
Net worth is the single number that summarizes your finances: everything you own minus everything you owe. This calculator adds it up in under a minute.
How to use this calculator
- Enter checking + savings.
- Enter investments (stocks, bonds, crypto).
- Enter home value (current market).
- Enter retirement accounts (401k, IRA).
- Enter other assets (car, valuables).
- Enter mortgage balance.
- Enter loans (student, car, personal).
- Enter credit card balances.
- Your results appear instantly below and update as you change the numbers.
How this calculator works
The calculator sums your assets (cash, investments, home value, retirement accounts, other) and your liabilities (mortgage, loans, credit cards), then subtracts the two. A positive net worth means you own more than you owe; a negative one means the reverse. Tracking net worth once or twice a year is the simplest way to see whether you are actually building wealth — it captures both saving and debt paydown in one number.
Frequently asked questions
What should I include as an asset?
Anything you could sell for cash: bank accounts, investments, retirement accounts, your home at market value, cars, and valuables. Use realistic current values, not what you paid.
Why is my net worth negative when I have a job?
Negative net worth is common for young people with student loans and a mortgage — the debts outweigh accumulated assets. It is not a failure; it is the starting point most people grow from.
How often should I track net worth?
Once or twice a year is enough. More frequent tracking adds noise (markets move daily) without changing the trend. The trend — up over years — is what matters.
Disclaimer: Results are estimates for general information only and do not constitute financial, tax, or legal advice. Figures reflect 2026 rules and may change. Always confirm current limits and consult a qualified professional before making decisions. Official figures: IRS.gov · 2026 limits per IRS tax inflation adjustments.