Personal Net Worth Calculator

Add up your assets and subtract your liabilities to calculate your net financial worth.

Inputs

Currency

1. Assets (What You Own)

Cash & Savings

Stocks & Retirement

Real Estate Value

Vehicles & Assets

2. Liabilities (What You Owe)

Credit Card Debt

Student & Personal Loans

Mortgage Balance

Other Liabilities

Read Net Worth Guide

Results

Total Net Worth

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Total Assets—

Total Liabilities—

Equity Standing—

Status—

Net Worth = Total Assets − Total Liabilities. All data remains private in your browser.

How this calculator works

Aggregates personal assets (cash, investments, real estate, vehicles) and subtracts liabilities (mortgages, personal loans, credit card balances) to calculate total net worth.

Formula

Net Worth = (Cash + Investments + Real Estate + Valuables) - (Mortgages + Loans + Debt Balances)

Worked Example

Total Assets ($25,000 savings + $80,000 401k + $250,000 home = $355,000) minus Total Liabilities ($180,000 mortgage + $12,000 car loan = $192,000) yields a Net Worth of $163,000.

Assumptions

Asset values reflect estimated fair market value.
Liability figures represent current outstanding pay-off balances.

Limitations

Non-liquid real estate and vehicle values fluctuate and may incur liquidation selling expenses.
Unrealized capital gains taxes on retirement/investment accounts are not deducted.

Disclaimer: Educational estimate only. Does not constitute formal accounting advice. See our Disclaimer.