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 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.