Net Worth Calculator
Add up what you own and what you owe to see your net worth. It takes about two minutes.
Breakdown
The real magic is watching it grow. Track it monthly with the Net Worth Tracker: $7.
See the templateHow this calculator works
Net worth is everything you own (assets) minus everything you owe (liabilities). Include cash, investments, retirement accounts, and your home and vehicles at realistic resale values. Leave out everyday belongings like furniture and electronics.
The debt-to-asset ratio is your total debts divided by your total assets. Lower is generally stronger, and watching it fall over time is a good sign of progress. One snapshot matters less than the trend, so recalculate monthly or quarterly.
Want the full explanation? Read our guide: How to Track Your Net Worth (and Why It's the Best Money Habit).
This calculator is for education and planning only. It isn't financial advice, and results are estimates based on the numbers you enter.
Questions & answers
What's a good net worth?
There's no universal number. It depends on age, income, cost of living and goals. The most useful comparison is with your own past self.
Can net worth be negative?
Yes, and it's common early on, especially with student loans. What matters is that it's moving up over time.
Should I include my retirement accounts?
Yes. Include their current balance. Some people also track net worth without retirement accounts to see their accessible wealth.
Is my information saved or shared?
No. Everything is calculated in your browser and nothing you type is sent anywhere.