Net Worth Calculator

Add your assets and liabilities to instantly calculate your net worth. Switch between a quick minimal view and a detailed advanced breakdown. Free, private, and saved automatically in your browser.

Net worth is the total value of everything you own minus everything you owe. Add up your assets — cash, investments, retirement accounts, property and vehicles — then subtract your liabilities, such as mortgages, loans and credit card balances. The result is your net worth, which can be positive or negative.

Assets

Cash & Bank

Investments

Property

Liabilities

Loans

Other Debt

What your net worth tells you

Your net worth is the single best snapshot of your financial health. It answers a simple question: if you sold everything you own and paid off everything you owe, what would be left? Tracking it over time shows whether you are moving in the right direction — which matters far more than any single number.

To calculate it, this tool adds up your assets — cash, investments, retirement accounts, property, and vehicles — and subtracts your liabilities, such as mortgages, loans, and credit card balances. New to the categories? Start with our guide to assets vs. liabilities.

Frequently asked questions

What is net worth?

Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the clearest single measure of your overall financial health.

How do I calculate my net worth?

Add up the current value of all your assets — cash, investments, retirement accounts, property, and vehicles — then subtract all your debts, such as mortgages, loans, and credit card balances. The result is your net worth.

Is this net worth calculator free?

Yes. The calculator is completely free to use, requires no sign-up, and saves your entries privately in your own browser. Nothing is uploaded to a server.

Can my net worth be negative?

Absolutely, and it is very common — especially for younger people with student loans or anyone who recently took on a mortgage. A negative net worth simply means your debts currently exceed your assets. The trend over time matters more than any single reading.