Net Worth Calculator
See your real financial position: everything you own minus everything you owe.
Estimates for educational purposes only — not financial, tax, or investment advice.
Why net worth is the number that matters
Income tells you how much money flows in; net worth tells you how much you've actually kept. Add up everything you own — cash, savings, investments, home equity, vehicles — then subtract everything you owe — mortgage, loans, credit-card balances. The difference is your net worth, and watching it climb over time is the clearest sign of real financial progress.
How to grow it
Net worth rises in two ways: assets go up (saving and investing) or liabilities go down (paying off debt). Both count. Even if your income is flat, steadily paying down a loan increases your net worth every month.
Frequently asked questions
Should I include my home?
Yes — use its current market value as an asset and your remaining mortgage as a liability. The difference is your home equity.
Is negative net worth bad?
It's common early on, especially with student loans or a new mortgage. What matters is the trend: is it moving up over time?