About the Net Worth Calculator
Net worth is the single number that captures your whole financial picture: everything you own minus everything you owe. Any one figure matters less than the trend — tracking net worth over time is what reveals real progress.
How it’s calculated
Net worth = total assets (cash, investments, property, and other assets) − total liabilities (mortgage, loans, credit cards, and other debts).
Example calculation
With $445,000 in assets and $272,000 in liabilities, your net worth is $173,000.
Frequently asked questions
Should I include my home?
Yes — use its market value as an asset and the remaining mortgage as a liability. The difference is your home equity, part of your net worth.
What if my net worth is negative?
It's common early on, especially with student loans or a new mortgage. Focus on the trend: paying down debt and growing savings moves it upward over time.
This calculator provides estimates for educational purposes and should not be considered financial, tax, or legal advice. Your actual figures may vary with lender terms, fees, and market conditions.