How do you calculate net worth?
Add the value of what you own and subtract what you owe.
Net Worth Calculator
Sum what you own, subtract what you owe, or paste itemized asset and liability lists.
Enter assets and liabilities
Use totals, or optional comma-separated lists (lists override blank totals when provided).
About this calculator
How to use Net Worth Calculator, plus the formulas and logic behind the results.
Tool description
Net worth is a snapshot of financial position: assets minus liabilities. It is not the same as liquid cash on hand.
How to use
- Choose totals mode or itemized lists.
- Enter asset and liability figures (home, investments, loans, cards, etc.).
- Select Calculate to view net worth.
- Update regularly to track progress.
Formulas & reference
Net worth = Assets − LiabilitiesList mode: Assets = Σ asset amounts; Liabilities = Σ liability amounts
What to include
- Assets: cash, investments, home equity value, vehicles
- Liabilities: mortgages, student loans, cards, autos
- Exclude monthly income/expenses (flows, not stocks)
- Track the trend, not one day
Calculation logic
Totals mode uses the two number fields. List mode sums parsed numbers from each textarea. Net worth can be negative if debts exceed assets.
Use realistic market values for assets (not purchase price) when estimating true net worth.
Net Worth Calculator FAQ
Common questions about the calculation and how to interpret the estimate.
Should I use market value or cost?
Market value is usually better for a true snapshot.
Can net worth be negative?
Yes—common early in a mortgage or with student debt.
Is retirement account money included?
Yes as an asset; related loans against it may be liabilities.
Do lists replace totals?
In list mode, summed list amounts are used as assets and liabilities.
Is this credit-score related?
Net worth is a balance-sheet idea; credit scores measure credit risk differently.