CalculatopiaFree calculator · USD
Net Worth Calculator
Net worth is assets minus debts. Choose one valuation date and ownership scope, then use the detailed calculator and checklist below to build a consistent personal or household balance sheet.
Build a consistent balance sheet
Add the current value of your assets, then subtract your outstanding debts. Use the checklist and hypothetical examples to review the balances you entered.
Choose a date and a personal or household scope
Net worth = total assets − total debts
Choose one valuation date. For a personal balance sheet, include only the ownership interests and debts that belong in your scope. For a household balance sheet, use a consistent family boundary. Do not assume every joint asset or debt should be divided in half.
Investor.gov — Figure Out Your FinancesList assets at their current value
Cash and deposits: Include cash, checking, savings, and deposit balances at the valuation date.
Investments and retirement accounts: Use current account balances. This calculator does not automatically subtract future withdrawal taxes. Avoid counting the same holdings twice.
Primary residence: Use a supportable estimate of current market value. Enter the outstanding mortgage separately as a debt.
Other property: Include the property interests within your chosen scope and the related debts consistently.
Vehicles: Use a realistic current resale estimate, not the original purchase price.
Other assets: Include assets with a supportable value, such as a business ownership interest. Avoid unsupported estimates and duplicate items.
Subtract outstanding debts
Mortgages: Use the outstanding loan balance, not the monthly payment.
Auto loans: Include the remaining balance on vehicle financing.
Student loans: Include outstanding student-loan balances within your chosen scope.
Credit cards: Use the current outstanding balance and avoid counting a payment as a second debt.
Other debts: Include other amounts owed, such as personal loans, without duplicating liabilities already listed.
Avoid double counting
Count each account once. If an account total already includes its cash balance, do not add that cash again. Include a property's value and its mortgage separately; do not also add home equity. Use loan balances, not monthly payments, as debts.
Three worked net worth examples
These hypothetical examples illustrate the calculation. They are not financial targets, survey statistics, or recommendations.
| Example | Assets | Debts | Net worth |
|---|---|---|---|
| Positive net worth | Cash $20,000 + retirement $70,000 + home $250,000 + vehicle $10,000 = $350,000 | Mortgage $230,000 + student loans $15,000 + credit cards $5,000 = $250,000 | $350,000 − $250,000 = $100,000 |
| Negative net worth | Cash $5,000 + investments $3,000 + vehicle $7,000 = $15,000 | Student loans $25,000 + credit cards $5,000 = $30,000 | $15,000 − $30,000 = −$15,000 |
| Near-zero net worth | Cash $10,000 + retirement $20,000 + vehicle $20,500 = $50,500 | Student loans $30,000 + auto loans $20,000 = $50,000 | $50,500 − $50,000 = $500 |
Understand what the result does and does not tell you
Net worth is not income, spending power, or a retirement-readiness score. A home or retirement account can increase net worth without making cash immediately available. Use the same scope and method when tracking changes, and compare household survey statistics only after checking that the definitions match.
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.
Do retirement accounts count before tax?
This calculator uses the balance you enter and does not automatically estimate future withdrawal taxes. Keep this convention consistent when tracking your net worth, and check the definitions before comparing with survey data.
How often should I update my net worth?
Use a schedule you can maintain, such as a monthly or annual review. Record the valuation date and keep your ownership scope consistent so changes are easier to interpret.