Net Worth Calculator
List everything you own and everything you owe to see your net worth — the difference between total assets and total liabilities. Add a row for each account or debt to build a clear snapshot.
List what you own and owe
Assets
Liabilities
$330,000.00 in assets minus $208,000.00 in liabilities.
- Total assets
- $330,000.00
- Total liabilities
- $208,000.00
How net worth is calculated
Net worth is the total value of everything you own (your assets) minus everything you owe (your liabilities). Assets include cash and savings, the value of your home, investments, and vehicles. Liabilities include your mortgage, credit-card balances, and other loans. When liabilities are larger than assets, net worth is negative — which is common early on, for example with a new mortgage or student loans.
Net worth = Total assets − Total liabilities- Total assets
- The sum of every asset amount you list
- Total liabilities
- The sum of every liability amount you list
A simple household snapshot
Suppose your assets are $50,000 in cash and savings, a $250,000 home value, and $30,000 in investments — $330,000 in total. Your liabilities are a $200,000 mortgage and $8,000 in credit-card balances — $208,000 in total. Your net worth is $330,000 minus $208,000, which is $122,000.
| Item | Type | Amount |
|---|---|---|
| Cash & savings | Asset | $50,000.00 |
| Home value | Asset | $250,000.00 |
| Investments | Asset | $30,000.00 |
| Mortgage | Liability | $200,000.00 |
| Credit cards | Liability | $8,000.00 |
| Net worth | Total | $122,000.00 |
What this calculator assumes
- You enter current market values for assets and current payoff balances for liabilities.
- Names are labels for your own reference only and do not affect the math — every amount is included in its section total.
- Each section supports up to 50 rows, and net worth can be negative.
- Money values are rounded to the nearest cent for display.
Net worth FAQ
Is a negative net worth bad?
Not necessarily. Many people have a negative net worth early on because of a mortgage, student loans, or a car loan. What matters more is the trend over time as you pay down debt and build assets.
What should I count as an asset?
Include what you could reasonably convert to cash or that holds clear market value: bank balances, investment and retirement accounts, your home, and vehicles. Use current values rather than what you originally paid.
Sources and review notes
- Consumer.gov (U.S. Federal Trade Commission) — Managing your money
- Financial Consumer Agency of Canada — Calculating your net worth
Methodology last checked Jul 14, 2026. Formula implementation is covered by deterministic unit tests. No financial professional review is claimed yet.