Net worth calculator: Estimate where you stand financially
Estimate your net worth by entering your assets and liabilities below. The calculator will total both and display the difference — your net worth. All calculations are done in your browser and data is never stored.
Net Worth Calculator
Use the formula Net Worth = Total Assets − Total Liabilities to calculate your net worth. Just enter your assets and liabilities below.
Your data stays private — all calculations are done locally in your browser.
What is net worth?
Your net worth is the total value of everything you own (your assets) minus everything you owe (your liabilities). It’s a snapshot of your financial health at a single point in time.
A positive net worth means your assets outweigh your debts—a good sign. A negative net worth means you owe more than you own, which isn’t uncommon, especially if you’re just starting out or paying down big loans like a mortgage or student debt.
What are assets?
Assets are everything you own that has monetary value. This includes cash, bank accounts, investments (like stocks and bonds), retirement savings, real estate, vehicles, and valuable personal property. In short, assets are the resources you can use or convert to cash.
What counts as an asset?
Assets are things you own that have value. Here are common examples:
- Cash and savings: money in your checking or savings accounts
- Investments: stocks, bonds, mutual funds
- Retirement accounts: 401(k), IRA, RRSP
- Property: your home, real estate, or land
- Vehicles: your car, motorcycle, or boat (current market value)
- Valuables: jewelry, collectibles, or other personal property
When in doubt, ask: Can this be sold for cash or used to generate income? If yes, it's probably an asset.
What are liabilities?
Liabilities are what you owe to others—your debts and financial obligations. These can include credit card balances, mortgages, student loans, auto loans, and any other unpaid bills. Liabilities reduce your overall net worth.
What counts as a liability?
Liabilities are debts or financial obligations you owe. These reduce your net worth. Common liabilities include:
- Credit card balances
- Mortgage balance
- Student loans
- Car loans
- Personal or business loans
- Unpaid bills or taxes
Only include debts that are currently outstanding—not those you’ve already paid off.
Is your salary part of your net worth?
No, your salary is not part of your net worth. Salary is income—it helps you build net worth over time, but it isn’t an asset itself. Once you save or invest part of your income, it becomes part of your net worth through your bank account, 401(k), or other assets.
Why is knowing my net worth important?
Knowing your net worth gives you a clear snapshot of your financial health. It helps you see where you stand, track progress toward your goals, and identify potential issues like growing debt. Just like stepping on a scale, it may surprise you—but it’s a powerful way to stay focused and motivated on your path to building wealth.
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