Net Worth Calculator

Net Worth Calculator

Calculate your net worth by entering your assets and liabilities.

What is Net Worth?

Your net worth is what you own (assets) minus what you owe (liabilities). Bottom line: It's an overall measure of wealth.



Estimate the current value of your house (and other real estate you own)
What’s the total amount you still owe on your mortgage (and other properties you own)?
How much money do you currently have in your checking account(s)?
How much credit card debt do you owe? Enter the total amount, not monthly payments.
How much money do you currently have in your savings account(s)?
Do you have any personal loan debt (i.e. family or friends, payday loans)?
How much money do you have in 401(k)s, 403(b)s, IRAs, or other retirement accounts?
Do you have student loan debt? Enter the total amount owed, not monthly payments.
Estimate the current value of your car (and other vehicles you own).
How much do you owe on your vehicle(s)? Enter the total amount owed, not monthly payments.
Estimate the value of any antiques, jewelry, stocks, bonds, business assets, etc.
List any other debts you owe (i.e. medical bills, business loans, HELOCs).

Net worth



What Are Assets?

Assets are valuable possessions that you own. This includes things like cash, retirement and investment accounts, vehicles and your house.


What Are Liabilities?

A liability is something that you’re responsible for. In the case of net worth, we’re talking about your financial debts. Liabilities are a drain on your net worth, so get them out of your life!


How Is Net Worth Calculated?

Start with what you own: cash, retirement accounts, investment accounts, cars, real estate and anything else that you could sell for cash. Then subtract what you owe: credit card debt, student loans, mortgages, auto loans and anything else you owe money on. Then boom—you’ve got your net worth.


How Can Something Be an Asset and a Liability?

You might notice that items like your house or car are both assets and liabilities. That’s because larger purchases take a while to pay off. The part you own is an asset, but the part you owe is still a liability because debt always creates risk. 

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