Net Worth Calculator

Calculate your personal net worth. List your assets and liabilities to see your total assets, total liabilities and net worth.

Add a row for each thing you own (asset) and each thing you owe (liability), choose its type, and enter its value. The calculator totals your assets and liabilities and subtracts them to find your net worth.

ItemTypeValue
Total assets
Total liabilities
Net worth

A net worth calculator adds up everything you own (assets) and subtracts everything you owe (liabilities) to give your net worth — the single best snapshot of your overall financial health.

The maths

  • Total assets = sum of every item marked as an asset
  • Total liabilities = sum of every item marked as a liability
  • Net worth = assets − liabilities

A positive and growing net worth is the goal; tracking it over time shows real progress.

Examples

  • Home $250k + savings $50k = $300k assets
  • Mortgage $150k + loan $10k = $160k liabilities
  • Net worth = $140k

Frequently asked questions

What counts as an asset?

Anything of value you own: property, savings, investments, pensions, vehicles and valuable possessions. Use realistic current values, not what you paid.

What if my net worth is negative?

That means you owe more than you own — common early in a career or after big loans. Focus on paying down debt and building assets to move it positive over time.

Just for the giggles, much love.
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