Net Worth Calculator

Add your assets and subtract your debts to calculate net worth. Get a quick total below, then use the detailed guide to review your full balance sheet.

Personal net worth

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Based on entered categories.

Full result

Whose balances are these?

No signup. No financial inputs uploaded.

Assets

Investments, retirement + more

Current value of what you own, in USD. Include only assets you own and your share of jointly owned assets, once.

Debts

Student, auto + other loans

What you still owe, in USD. Include debts you owe. For joint loans, choose and document your attributable balance; do not assume it equals your asset ownership share.

Valuation date & example

Your balances

Valuation date (optional)

Full result

Personal net worth

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Enter at least one asset or debt to see your snapshot. Blank categories will count as zero.

Based on entered categories. Blank categories count as zero. Check investments, retirement accounts and other debts before relying on this total.

Balances update as you type. Retirement accounts are shown before future tax; home value and mortgage are counted separately.

I have checked all asset and debt categories, including investments, retirement accounts and other loans.

Amounts stay in this tab’s memory. Optional rate or household-total transfers last at most one minute and are used once. No financial values are uploaded, added to URLs or saved in browser storage. Reloading clears inputs; downloaded CSVs stay on your device.

Keep exploring your finances

Understand your net worth

Check the numbers, date, and ownership scope behind your total.

What is net worth?

Net worth = total assets − total debts

Net worth is the value of what you own minus what you owe. Add your assets at their current estimated value, then subtract outstanding debts. Use the same date and ownership scope for both sides. Net worth is a balance-sheet snapshot, not your income or cash available to spend.

Investor.gov — Figure Out Your Finances

Check what you included

Include cash, savings, investments, retirement accounts, property, vehicles, and other assets that have a supportable value. Then check mortgages, auto loans, student loans, credit cards, and other debts. Count each item once. If you include a property's full value as an asset, include its outstanding mortgage as a debt.

A simple example

If your assets total $150,000 and your debts total $100,000, your net worth is $50,000. This is a hypothetical example, not a target or a U.S. average. For a category-by-category checklist and examples of negative net worth, use the detailed calculator and guide.

Net Worth Calculator & Guide

Common questions

Does my home count?

Yes. Include its current estimated market value and count the outstanding mortgage separately. Do not also add home equity as another asset.

Can net worth be negative?

Yes. A negative result means the debts included exceed the assets included. Review missing items and keep the same ownership scope before comparing results over time.

Can I compare my result with U.S. households?

Yes, if your inputs represent the SCF family scope. Review the household definition and confirm the total before opening the percentile calculator. An individual balance sheet is not automatically comparable.

Free to use. No sign-up. Your amounts stay in your browser.

Estimates for education and comparison. Your circumstances and product terms may differ.