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Net Worth Calculator

Calculate your total net worth by adding up everything you own and subtracting everything you owe.

Assets (What You Own)

$0

Cash & Bank Accounts

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$
$
$

Investments

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$
$
$

Property

$
$
$
$

Jewelry, collectibles, etc.

Liabilities (What You Owe)

$0

Mortgages & Property

$
$
$

Loans

$
$
$

Credit & Other

$
$
$

401(k) loans, taxes owed, etc.

Enter your assets and liabilities

to calculate your net worth

Net Worth

Net worth is the difference between what you own (assets) and what you owe (liabilities). It's the most comprehensive measure of your financial health and tracks your wealth-building progress over time.

How to Use

  1. 1 Enter current values for all your assets (bank accounts, investments, property).
  2. 2 Enter outstanding balances for all debts (mortgages, loans, credit cards).
  3. 3 Calculate to see your total net worth and key financial metrics.
  4. 4 Track quarterly or annually to monitor your progress.

FAQ

Is negative net worth bad?

Negative net worth is common, especially early in life with student loans or a new mortgage. The key is whether you're trending in the right direction. Focus on reducing debt and building assets.

Should I include my car?

Yes, include vehicles at their current market value (check KBB or similar). While cars depreciate, they're still assets. Just be realistic about the value—use what you could actually sell it for.

What's a good net worth?

A common benchmark: your net worth should be (Age × Annual Income) ÷ 10. At 40 earning $80k, target $320k. But focus on your personal progress, not comparisons to others.

Why track liquid net worth?

Liquid net worth excludes home equity and retirement accounts—money you can't easily access. It shows what you could actually use in an emergency or opportunity.

How often should I calculate?

Quarterly is ideal—frequent enough to stay motivated, but not so often that market fluctuations cause stress. Many people do it monthly or annually.

Calculator Limitations

Asset values fluctuate daily. Use current market values for accuracy. This calculator doesn't account for potential taxes on retirement withdrawals or capital gains.