Net Worth Calculator
Calculate your net worth by entering assets and liabilities with a visual assets vs. liabilities chart.
Before you calculate
Use consistent current valuations and balances. Illiquid assets, selling costs and taxes can reduce the cash available from a positive net worth.
Understanding Net Worth
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the most comprehensive snapshot of your financial health.
Net Worth = Total Assets − Total LiabilitiesExample Scenarios
Growing Net Worth Through Savings
A 30-year-old with $50,000 in retirement accounts, $20,000 in savings, and $15,000 in car loan debt has a net worth of $55,000. Consistently contributing to retirement accounts and paying down debt can double this within a decade.
Real Estate and Net Worth
Purchasing a $300,000 home with a $240,000 mortgage adds $60,000 to your net worth immediately. As you pay down the mortgage and the home appreciates, this equity grows — one of the most common paths to building wealth.
Methodology & Assumptions
Assets and liabilities are summed across all categories. The debt-to-asset ratio indicates how leveraged you are — a lower ratio signals stronger financial stability.
Sources & calculation notes
Maintained by MoneyCalc. Results are estimates based on the inputs and assumptions shown, not personalized financial advice or a lender quote. Default rates are examples unless a specific tax year or official table is identified.
This tool uses the arithmetic identities shown above; it does not depend on an external rate feed or tax table.
Calculations run in your browser. Some tools retain settings on this device. Displayed rounding can produce small differences from a statement or contract.