Personal Net Worth Calculator

How to calculate your net worth

Net worth is one of the cleanest measures of your financial health, and the formula is simple: total assets minus total liabilities. Assets are everything you own that has value. Liabilities are everything you owe. Whatever is left over is your net worth, and it can land above or below zero.

This calculator walks you through the categories most people have, adds them into two running totals as you type, then hands back your net worth along with a few numbers that a single figure hides: how much of your wealth is real estate equity, how much is liquid, and how heavy your debt load is relative to what you own.

What counts as an asset

Use current values, not what you originally paid. The goal is a snapshot of what you could realistically convert to cash today.

• Cash and bank accounts: checking, savings, money market, and your emergency fund.
• Investments: taxable brokerage accounts, individual stocks, bonds, and index funds.
• Retirement accounts: 401(k), 403(b), traditional and Roth IRAs, and any pension you can value.
• Real estate: your home and any other property, listed at current market value.
• Vehicles: cars, trucks, boats, and similar, valued at what they would sell for now.
• Other assets: a business stake, valuable collectibles, or crypto holdings.

What counts as a liability

List the current balance you still owe on each debt, not the original loan amount.

• Mortgage: the remaining balance on your primary home loan.
• Other property loans: loans against a second home or rental.
• Auto loans: the payoff balance on any vehicle financing.
• Student loans: federal and private education debt.
• Credit cards: balances you carry from month to month.
• Other debts: personal loans, medical bills, and anything else outstanding.

Reading your result

A positive net worth means your assets outweigh your debts. A negative one means the reverse, which is common early in life and tends to correct as you pay down loans and build savings. The single number matters less than the trend, so recalculating every few months is the habit that pays off.

Once you have your number, see how it stacks up against households your age with our Net Worth Percentile Calculator, then read the average net worth by age data for context. If you want to turn today's figure into a plan, the FIRE Calculator projects when your investments could cover your living costs.

Frequently asked questions

What is net worth?

Net worth is the total value of everything you own minus everything you owe. Add up your assets, subtract your liabilities, and the result is your net worth. It can be positive or negative.

Should I include my house and car?

Yes. Count your home at market value and list the mortgage as a debt, so only your equity adds to net worth. Value vehicles at their resale price, since a car is worth far less than you paid soon after buying it.

What is a good net worth?

It depends on your age and income, so a percentile for your age group is a better benchmark than any single target. A positive and steadily rising number, driven by growing liquid and invested assets, is the healthiest sign.

Is a negative net worth bad?

Not on its own. Student loans or an early-stage mortgage can put anyone below zero. What counts is the direction. Chipping away at high-interest debt while building assets moves you toward positive territory over time.