Net Worth Calculator
Calculate your net worth by totaling your assets and subtracting your liabilities. See a breakdown of where your wealth is concentrated and track your financial progress.
Assets (What You Own)
Checking, savings, CDs
Brokerage accounts, stocks, bonds
401(k), IRA, Roth IRA
Current market value of home(s)
Current market value
Business equity, valuables, etc.
Liabilities (What You Owe)
Personal loans, medical debt, etc.
Enter values and click Calculate to see results
How the Net Worth Calculator Works
Net worth is the single most important number in personal finance. It's the difference between everything you own (assets) and everything you owe (liabilities). Tracking it regularly shows whether you're making financial progress.
Net Worth = Total Assets - Total LiabilitiesAssets= Cash, investments, retirement, real estate, vehiclesLiabilities= Mortgage, student loans, auto loans, credit cardsGoal= Grow assets and shrink liabilities over timeExample Scenarios
Young Professional (Age 28)
A negative net worth is common early in your career. The key is that it's trending upward.
Mid-Career (Age 40)
Home equity and growing retirement accounts are building a solid foundation.
Pre-Retirement (Age 58)
Decades of saving and home appreciation compound into a strong retirement position.
Tips to Grow Your Net Worth
- Pay off high-interest debt first (credit cards, personal loans)
- Maximize employer 401(k) match — it's free money
- Build an emergency fund of 3-6 months of expenses
- Invest consistently, even small amounts, to benefit from compounding
- Track your net worth quarterly to see progress