Net Worth Calculator
Calculate your personal net worth by totaling cash, investments, retirement accounts, property, loans, credit cards, and other liabilities.
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Frequently asked questions
- How do I calculate net worth?
- Add the current value of everything you own, then subtract everything you owe. The result is your net worth. A negative result means liabilities currently exceed assets.
- What should count as an asset?
- Common assets include cash, savings, investments, retirement accounts, property, vehicles, and valuable business interests. Use a realistic current value rather than the original purchase price.
- Which liabilities should I include?
- Include mortgage balances, student and auto loans, personal loans, credit card balances, taxes due, and other amounts you are obligated to repay.
- Should I include my home at market value?
- You can use a reasonable current market value and list the mortgage separately as a liability. If selling costs would be material to your planning, reduce the property value by an estimated selling cost.
- What is the debt-to-asset ratio?
- It is total liabilities divided by total assets. It shows what share of your assets is offset by debt. The meaning varies by age, asset type, liquidity, and financial goals.
- How often should I update net worth?
- Quarterly or annually is enough for many people. Use the same method each time so the trend reflects real saving, debt repayment, and market changes rather than inconsistent estimates.