Net Worth Calculator
Calculate Net Worth step by step: Net worth = total assets − total liabilities.
In short
Formula: Net worth = total assets − total liabilities.
What this calculator does
Calculate Net Worth step by step: Net worth = total assets − total liabilities. Worked example, questions and limitations included.
Use it to turn Currency (symbol only, never converted), Cash and bank balances, Investments and retirement accounts, Property and vehicles (current value), and the other shown inputs into a checked result you can compare, copy, or rerun with different assumptions.
The page shows the formula, a numeric worked example, and the assumptions that affect this personal finance calculation.
Inputs and what they mean
- Currency (symbol only, never converted)
- — choice value.
- Cash and bank balances
- — number value.
- Investments and retirement accounts
- — number value.
- Property and vehicles (current value)
- — number value.
- Other assets
- — number value.
- Loans and mortgages outstanding
- — number value.
- Credit card and other short-term debt
- — number value.
- Other liabilities
- — number value.
How to use it
- Enter each value in the unit shown next to the box (use the unit converter first if your numbers are in other units).
- Check the breakdown to see every intermediate step.
- Read the limitations before relying on the result.
Formula
The standard personal balance-sheet identity (OpenStax Principles of Accounting).
Use current realistic values, not purchase prices, for property and vehicles.
All boxes are optional — leave any that do not apply blank.
Net worth = total assets − total liabilities.
Inputs used: Currency (symbol only, never converted), Cash and bank balances, Investments and retirement accounts, Property and vehicles (current value), Other assets, Loans and mortgages outstanding, Credit card and other short-term debt, Other liabilities.
Worked example
A household snapshot
- Assets = 25,000 + 80,000 + 250,000 = $355,000.
- Liabilities = 200,000 + 5,000 = $205,000.
- Net worth = 355,000 − 205,000 = $150,000.
Reading the result
The headline figure is the main answer. Any breakdown underneath shows the parts that make it up, so you can check the working and see what changes when you adjust an input.
Limitations and assumptions
- Only as accurate as the values you enter.
- Does not value anything for you.
- Not financial advice.
- Results are educational estimates built only from the figures you enter. They are not personalised investment, tax, legal or accounting advice. Rates, growth and discount assumptions are always yours to choose.
- The result depends on the values you enter for this net worth calculator; it does not supply missing rates, rules, prices, dates, or assumptions for you.
Common questions
Can net worth be negative?
Yes — when debts exceed assets. The calculator shows a negative figure in that case.
Should I include my home?
Include its current market value as an asset and the outstanding mortgage as a liability. Check the formula, example, and limitations on this page before using the result for a real personal finance decision.
How often should I recalculate?
Once or twice a year is common. It is a snapshot, not a forecast.
How do I use the Net Worth Calculator?
Enter the required values for Currency (symbol only, never converted), Cash and bank balances, Investments and retirement accounts, Property and vehicles (current value), Other assets, and the other fields shown. The calculator applies the formula on this page and shows the main result with any supporting breakdown so you can check the arithmetic.
What formula does the Net Worth Calculator use?
Net worth = total assets − total liabilities. The visible formula section above lists the calculation path and the edge cases the page handles, so the result can be checked without relying on the form alone.
Can the Net Worth Calculator be used for exact decisions?
Use it as a calculation aid, not as a substitute for checking the underlying rule, contract, policy, or professional advice that applies to your situation. When a result depends on local rules, personal details, prices, or dates, enter those values yourself and confirm them before acting.
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