Net worth is your total assets minus your total liabilities. It is the single clearest number describing your financial position at a point in time.

Net Worth Calculator

Q: Is a negative net worth bad?

Not necessarily. It is common when you have student loans or a new mortgage and few assets. What matters is the direction: if net worth grows over time, you are building wealth.

Your financial position in one number: everything you own minus everything you owe. See it at a glance, split by category.

With $100,000 in assets — $10,000 cash, $50,000 in stocks and ETFs, and $40,000 in retirement accounts — and $0 in liabilities, your net worth is $100,000. Net worth is simply everything you own minus everything you owe: the clearest single snapshot of your financial position. Enter your own assets and debts below to see your total, how it’s built, and whether you’re building or using wealth.

Your assets

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Cash & bank accounts

Stocks & ETFs

Retirement accounts

Real estate

Other assets

Your liabilities

Mortgage

Credit card debt

Student & car loans

Other debt

Your net worth

Enter your assets and liabilities to see your net worth.

Total assets$0

Total liabilities$0

Assets by typeLiabilities

How net worth is calculated

Net worth = Total assets − Total liabilities.

Add up everything you own (cash, investments, retirement accounts, property, other assets), then subtract everything you owe (mortgage, credit cards, loans, other debt). The result is your net worth — the clearest single snapshot of your financial position.

You improve net worth two ways: grow assets (save, invest, increase income) or reduce liabilities (pay down debt). Reviewing it once or twice a year is one of the most useful financial habits.

Net worth, explained

Net worth can be positive or negative. A young person with student loans and little savings often has a negative net worth — that’s normal, not a judgment. What matters is the trend: a rising net worth means you’re building wealth over time.

To turn today’s snapshot into a plan, pair this with our Retirement calculator or Savings Goal calculator to set a target and see the monthly amount needed.

Frequently asked questions

What is net worth?

Net worth is your total assets minus your total liabilities. It’s the single clearest number describing your financial position at a point in time.

Is a negative net worth bad?

Not necessarily — it’s common when you have student loans or a new mortgage and few assets. What matters is the direction: if net worth grows over time, you’re building wealth.

Should I include my house?

Yes — include the current market value of your home as an asset and the remaining mortgage as a liability. Many people prefer to track a “liquid net worth” separately, excluding the home.

What’s a good net worth for my age?

There’s no single right number — it depends on income, cost of living and goals. A common rule of thumb is your age × annual income ÷ 10 by retirement age, but the more useful comparison is your own net worth over time.

Is this financial advice?

No. This calculator is educational and for informational purposes only. It does not constitute financial, investment or tax advice.