Net Worth Calculator

building wealth over timeclearest snapshot of financial health: assets minus liabilities. It cuts through income and spending to answer one question: if you sold all your assets and paid off all your debts today, what would be left? Tracking it over time reveals whether you're truly building wealth, regardless of how much you earn.

This calculator totals your assets and liabilities and reports the difference, so you can benchmark today and watch the trend, alongside a monthly budget calculator to see what’s driving it.

How does this calculator work?

List your assets (what you own) and liabilities (what you owe). Net worth is the difference: what you'd have left after selling everything and paying off all debts.

Track it over time; a rising net worth is a clear sign of financial progress.

Worked example

A household with a home, retirement savings, and cash, against a mortgage and a car loan.

Home + investments + cash

$520,000 (assets)

Mortgage + car loan

$310,000 (liabilities)

Net worth

$210,000

How the numbers work

Net worth is one subtraction: total assets minus total liabilities. Here $520,000 of assets minus $310,000 of debt leaves $210,000.

Within that, the home contributes its equity, market value minus the remaining mortgage, rather than its full price, which is why steadily paying down the mortgage raises net worth even when home values are flat.

Assets of $520,000 less $310,000 of debt leave a net worth of $210,000. Two things grow it: assets rising in value and debts being paid down, which is why steady mortgage payments quietly build net worth even in a flat market.

The number matters less than its direction. A net worth that climbs year over year is the goal, even if it starts small or negative.