Net Worth Calculator
Use our free net worth calculator to get a clear snapshot of your financial health. Enter your assets and liabilities to instantly see your total net worth and debt-to-asset ratio.
Net worth is the single most important measure of your overall financial health. It represents the difference between what you own (assets) and what you owe (liabilities). A positive net worth means your assets exceed your debts, while a negative net worth means you owe more than you own.
Your assets include everything of value: cash and savings accounts, investment portfolios, retirement accounts (401k, IRA, Roth IRA), real estate, vehicles, and personal property. Liabilities include mortgages, car loans, student loans, credit card balances, personal loans, and any other debts.
Tracking your net worth over time is more valuable than looking at income alone. A high-income earner with massive debts may have a lower net worth than a moderate earner who saves consistently. Financial advisors recommend calculating your net worth at least once a year to measure progress toward your financial goals.