CalculatopiaFree calculator · USD
Net Worth Calculator
What you own, minus what you owe. Add your balances below to see where you stand today.
How to calculate your net worth
Add the current value of your assets, then subtract your outstanding debts. Keep the ownership scope and valuation date consistent.
One simple calculation
Net worth = total assets − total debts
For example, $150,000 in assets minus $40,000 in debts gives a net worth of $110,000. The calculator sums USD cents, then displays dollars.
Count your home once
Enter the full current value of your home under real estate and the unpaid mortgage under debts. Do not enter home equity and subtract the mortgage again.
Keep estimates on the same basis
Use current account values for investments and retirement accounts. This tool does not subtract future retirement taxes or assign a present value to future salary or pension payments.
Personal and household totals are different
For a personal snapshot, include only what you own and owe. For a household snapshot, include the relevant household balances once. This tool does not assign a wealth percentile or compare your result with survey data.
Common questions
Can my net worth be negative?
Yes. If your total debts are larger than your assets, the difference is negative. The calculator keeps that result instead of replacing it with zero.
Should I include my savings and CDs?
Include their current balances under cash and deposits. Do not add interest that you have not yet earned. Use the CD calculator separately to estimate future returns.
Are my balances saved?
No. These inputs stay in the current page and are not sent to a calculator API or stored in an account. A CSV is only created when you choose to download it.