Net Worth Calculator (2026)
Add up everything you own, subtract everything you owe, and see your net worth in seconds.
Calculate Your Net Worth
Checking, savings, and cash on hand.
Stocks, bonds, mutual funds, and brokerage accounts.
401(k), IRA, 403(b), and pension balances.
Current market value, not what you paid.
Current resale value of cars, trucks, and motorcycles.
Business interests, valuables, and anything else of value.
Remaining balance on your home loan.
Total remaining student loan balance.
Remaining balance on vehicle loans.
Total balances across all cards.
Personal loans, medical debt, and money owed to others.
How Net Worth Is Calculated
Net worth is the simplest number in personal finance: everything you own minus everything you owe. Assets are things with value — cash, investments, retirement accounts, your home, and your vehicles. Liabilities are your debts — mortgage, student loans, auto loans, credit cards, and anything else you owe. Subtract the second total from the first and you have your net worth.
Total assets = cash + investments + retirement + home + vehicles + other
Total liabilities = mortgage + student loans + auto loans + credit cards + other debts
Worked Example: $250,000 in Assets, $180,000 in Debts
| Calculation | Amount | |
|---|---|---|
| Cash and bank accounts | $15,000 | |
| Investments | $40,000 | |
| Retirement accounts | $60,000 | |
| Home value | $120,000 | |
| Vehicles | $12,000 | |
| Other assets | $3,000 | |
| Total assets | $250,000 | |
| Mortgage balance | $150,000 | |
| Student loans | $20,000 | |
| Auto loans | $8,000 | |
| Credit card debt | $2,000 | |
| Total liabilities | $180,000 | |
| Net worth | $250,000 − $180,000 | $70,000 |
What Counts as an Asset?
Count anything you could turn into cash, at its current value — not what you paid for it. Your home counts at its market value today, and your car at its resale value, even though both lose value over time in different ways. Retirement accounts count at their current balance, including employer matches already vested. Do not count future income, unvested stock, or things you plan to buy; net worth is a snapshot of right now.
What Counts as a Liability?
Count every balance you still owe, including debts you are current on. A mortgage is usually the biggest liability, followed by student loans and auto loans. Credit card balances count in full, even if you pay them off monthly — use the balance on your latest statement. If you co-signed a loan, include it: you are legally on the hook for it if the other signer stops paying.
Is a Negative Net Worth Bad?
Not necessarily. A negative net worth is common early in adult life, when student loans and a first mortgage outweigh savings. What matters is the trend: if your net worth rises year after year, your finances are moving the right way. If it keeps falling, high-interest debt is usually the cause — paying that down first gives the fastest improvement. Recalculate every few months to track the direction, not just the number.
How to Improve Your Net Worth
- Pay down high-interest debt first. Credit card interest often exceeds 20% a year, while investments rarely beat that reliably. Our debt payoff calculator shows the fastest payoff order.
- Automate savings. Money moved to savings on payday never gets spent. Start with an emergency cushion, then invest the surplus.
- Grow retirement contributions. A 401(k) or IRA balance is usually the largest asset most people build. Our 401(k) retirement calculator projects how contributions compound over time.
- Keep housing costs in check. A home adds to both sides of the ledger — value as an asset, mortgage as a liability — so buying more house than you need slows net worth growth.
