Net Worth Calculator

How to calculate net worth

Net worth is a simple way to measure your financial position: add what you own and subtract what you owe. This calculator separates assets and liabilities so you can see whether your progress is mostly coming from cash, investments, retirement accounts, home equity, vehicles, or other property.

Homes and vehicles can be meaningful assets, but their loans should be entered separately. For example, enter a home at its estimated market value and enter the mortgage as a debt. That separation shows how much equity you actually have instead of mixing the asset and loan into one number.

A negative net worth does not mean the plan is broken. It can happen early in a career, after school, or while paying down large loans. The direction matters: reducing expensive debt, avoiding credit card balances, increasing contributions, and investing consistently can improve the number over time.

Review these numbers every few months using the same method. That makes it easier to separate real progress from market swings or changing estimates. The result is a planning reference, not a formal appraisal or financial advice.