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Key Features
Instant Calculation
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Net worth is the single number that best captures your overall financial position — everything you own, minus everything you owe.
This calculator adds up your assets and subtracts your liabilities to find your net worth, with a full step-by-step solution.
How it works
Enter your cash and savings, investments, real estate value, and other assets, plus your mortgage balance and other debts. The calculator totals your assets and liabilities separately, then subtracts to find your net worth.
- Enter cash and savings ($).
- Enter investments ($).
- Enter real estate value ($).
- Enter other assets ($).
- Enter mortgage balance ($).
- Enter other debts ($).
- Click Calculate to see your results.
Examples
A typical household balance sheet
$15,000 in cash, $50,000 in investments, a $350,000 home, and $10,000 in other assets ($425,000 total assets), against a $250,000 mortgage and $8,000 in other debts ($258,000 total liabilities), gives a net worth of $167,000.
Who should use it
- Getting a full picture of your current overall financial position.
- Tracking net worth over time to measure progress toward financial goals.
Industry applications
- Personal finance and wealth management
- Financial planning and advising
Advantages
- Clearly separates total assets from total liabilities before combining them.
- Includes a complete, formula-based step-by-step solution.
Limitations
- A single snapshot — tracking net worth over time (monthly or yearly) is more useful than any one calculation.
Common mistakes to avoid
- Forgetting to include all liabilities (like a car loan or student loans), which overstates net worth.
- Using a real estate value based on the original purchase price rather than a current, realistic market value.
Best practices
- Use realistic, current values for real estate and investments rather than outdated purchase prices or optimistic estimates.
Tips
- Recalculate your net worth on a regular schedule (like quarterly or yearly) using the same categories each time, so you can track the trend rather than relying on a single snapshot.