Net Worth Calculator
Free · no sign-up · reviewed July 2026
Net worth is the single number that sums up your whole financial life: everything you own minus everything you owe. This calculator adds it up for you and shows where your wealth actually sits.
Fill in what you have and what you owe. The ring shows the mix of your assets, and the number up top is what's left after debts. Track it once or twice a year and watch the trend, not the day-to-day.
Drag to adjust
Your net worth
$139,000
$415,000 in assets minus $276,000 in debts
💡 You're worth $139,000 after debts. Of that, $32,000 is liquid (cash and investments you could actually get to), while the rest is tied up in things like your home and car.
$415,000
Total assets
what you own
$276,000
Total debts
what you owe
$29,000
Liquid net worth
cash + investments, less short-term debt
- Cash & savings$12,000
- Investments$20,000
- Retirement$45,000
- Home$320,000
- Vehicles$18,000
- Total assets
- $415,000
- Total debts
- $276,000
- Net worth
- $139,000
The 2-minute guide
The trend matters more than the number
A single net worth figure doesn't mean much on its own. What matters is the direction over time. Checking it every few months and seeing it grind upward is one of the most motivating habits in personal finance, even when each individual step feels small.
Liquid net worth is the honest version
Your home and car count as assets, but you can't spend them without selling them. Liquid net worth (cash plus investments, minus short-term debt) is a truer picture of the money you could actually reach in an emergency. If that number is thin, building it up usually beats paying extra on a low-rate mortgage.
Don't count your car as an investment
Vehicles are assets on paper, but they lose value every year. Include your car at its real resale value, not what you paid, and don't be surprised when it drags your net worth down over time. That's normal.
Frequently asked questions
How do I calculate my net worth?
Add up everything you own (cash, investments, retirement accounts, your home, cars and other valuables), then subtract everything you owe (mortgage, car loans, student loans, credit cards and other debts). The result is your net worth. This calculator does the math for you.
What is a good net worth for my age?
There's no single right answer, but one popular rule of thumb from 'The Millionaire Next Door' is: age times pretax income, divided by ten. So a 40-year-old earning $70,000 might target about $280,000. Treat it as a rough benchmark, not a verdict, since debt, location and life stage vary hugely.
Should I include my house in net worth?
Yes. Include your home at its current market value as an asset, and your remaining mortgage as a debt. The difference is your home equity, which counts toward net worth. Just remember it isn't liquid, so it doesn't help in a cash emergency.
Is it normal to have a negative net worth?
Very. New graduates with student loans and new homeowners with big mortgages often have a negative net worth for years. It's a starting point, not a failure. What counts is that the number moves in the right direction over time.
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