This free net worth calculator adds up what you own and subtracts what you owe, so you can see your financial position in one number. Fill in the boxes, and the totals update as you type. Nothing you enter is stored or sent anywhere.
How this net worth calculator works
Net worth equals total assets minus total debts. Assets are cash and savings, investments, retirement accounts, your home, vehicles and other items with a market value. Debts are mortgages and home loans, student loans, auto loans, credit cards and other loans. The calculator also shows your debts as a percentage of assets and a version of net worth that leaves out home equity and vehicle equity.
That last number matters because a home and a car are hard to spend. A household can have a high net worth on paper and still have little cash. Looking at both versions in the net worth calculator gives a fuller picture.
Example: a household worth $114,500
The default numbers describe a hypothetical household with $8,000 in cash, $6,000 in taxable investments, $42,000 in retirement accounts, a $320,000 home and $14,000 in vehicles, for $390,000 in assets. Debts are a $245,000 mortgage, $18,000 in student loans, $9,000 in auto loans and $3,500 in credit cards, for $275,500. Net worth is $114,500, and debts are about 71% of assets.
Take out home and vehicle equity, though, and the figure falls to $34,500. The household’s easy-to-reach cash and investments total $14,000, and its retirement accounts hold $42,000. That is why many planners look at liquid savings and retirement balances separately.
How to value each item
Use what you could sell an asset for today, not what you paid. For a home, a recent sale of a similar house nearby is a better guide than an online estimate alone. For cars, use a used-car price guide. For retirement accounts, use the current balance, remembering that withdrawals may be taxed. For debts, use the balance you owe today, not the original loan amount.
What is a good net worth?
It depends on age, income, location and goals, and a single number can mislead. Negative net worth is common early in life because of student loans and a first mortgage. The useful question is whether your number is moving in the right direction. For a national benchmark, the Federal Reserve publishes the Survey of Consumer Finances, a survey of family balance sheets that is normally conducted every three years.
How to grow your net worth
There are two levers: raise assets or lower debts. A budget makes room for both, and our guide on how to create a budget is a good start. Build a cash cushion with the emergency fund guide, pay down expensive balances with the snowball or avalanche method, and invest regularly. See how compound interest works to understand why starting early matters, and investing in 2026 for an overview.
If a home is your biggest asset, our comparison of renting vs buying a home shows how the choice affects your balance sheet.
Frequently asked questions
Should I include my home in my net worth?
Yes, along with the mortgage. The calculator also shows a version without home equity so you can see the money you can reach more easily.
How often should I recalculate?
Rerun the net worth calculator every three to six months; that is enough for most people. The trend matters more than any single reading.
Should I count my car?
Count its current market value, which is usually much lower than the purchase price, and subtract the loan.
What if my net worth is negative?
That is common when you have student loans or a new mortgage. Focus on the direction of change: paying debt down and adding savings both move the number up.
Calculators are for education only. They give estimates based on the numbers you enter, not personalized financial, tax or legal advice.