Net Worth Calculator

What this estimate assumes

• Net worth is simply everything you own (assets) minus everything you owe (liabilities), added up at a single point in time.
• Home and vehicle values are whatever you enter — this doesn't look up market values for you. Use a recent appraisal, a site like Zillow, or a trade-in estimate for a reasonable number.
• Doesn't account for selling costs, capital gains taxes, or early-withdrawal penalties you might owe if you actually liquidated these assets.

How to use this calculator

1. Under Assets, enter your checking, savings, and emergency fund balances in Cash & savings ($).
2. Enter your 401(k), IRA, brokerage, and any other investment account balances in Retirement & investment accounts ($).
3. Enter the current market value of your home and any vehicles you own in Home & vehicle value ($). Leave it at 0 if you rent and don't own a car.
4. Enter anything else of real value — a business you own, valuable collectibles, jewelry — in Other assets ($).
5. Under Liabilities, enter your remaining Mortgage balance ($), any Auto & student loans ($), and Credit cards & other debt ($).
6. Click Calculate net worth to see your total assets, total liabilities, and the difference between them.

Worked example

Say you have $15,000 in cash and savings, $45,000 in retirement and investment accounts, a home worth $280,000, and $5,000 in other assets like a car or valuables. On the other side, you still owe $220,000 on your mortgage, $12,000 in other loans (say, an auto loan), and $3,000 in credit card debt.

Add up your assets: $15,000 + $45,000 + $280,000 + $5,000 = $345,000 in total assets.

Add up your liabilities: $220,000 + $12,000 + $3,000 = $235,000 in total liabilities.

Subtract liabilities from assets: $345,000 − $235,000 = a net worth of $110,000. That $110,000 is your real equity — what you'd theoretically have left if you sold everything you own today and paid off everything you owe, ignoring selling costs and taxes.

Frequently asked questions

Should I use my home's market value or what I paid for it?

Use your home's current market value, not its original purchase price. A recent appraisal, a comparable-sales estimate from a site like Zillow or Redfin, or a realtor's opinion of value all work. Your net worth is about what you'd realistically get for your assets today, not what you spent on them years ago.

What if I don't own a home — do I leave property at $0?

Yes. If you rent, enter 0 for "Home & vehicle value" unless you own a car or other vehicle worth counting, in which case enter just that vehicle's value. Renting itself isn't a liability to enter here — there's no field for future rent payments, since net worth is a snapshot of what you currently own and owe, not a projection of future costs.

Should retirement accounts count even though I can't touch them until I'm older?

Yes, include them in "Retirement & investment accounts" at their current balance. They're real assets you own, even though early withdrawal can trigger taxes or penalties. This calculator doesn't subtract those potential penalties — see the assumptions above — so treat the number as what you own on paper, not necessarily what you'd walk away with if you cashed out today.

Is a negative net worth a bad sign?

Not necessarily. It's common for net worth to be negative or low right after taking on a mortgage, student loans, or starting a business, when debt is high relative to assets built up so far. What matters more than any single snapshot is the trend over time — recalculating every few months or every year to see whether the number is moving in the right direction.

How often should I recalculate my net worth?

Many people find once every three to twelve months is a good rhythm — frequent enough to catch trends like debt paydown or account growth, but not so frequent that normal month-to-month market swings in your investment balances feel like meaningful changes.

My car has a loan on it — do I enter the car's value and the loan separately?

Yes. Enter the car's current value (what it could sell for) under "Home & vehicle value" as an asset, and enter the remaining loan balance you still owe on it under "Auto & student loans" as a liability. Entering both separately is what lets the calculator correctly show your real equity in the car, rather than double-counting or ignoring the debt against it.