Net Worth Calculator (2026)
See your personal net worth in one number: add up what you own, subtract what you owe, and the calculator does the math. Fill in any rows that apply and leave the rest blank. Everything runs in your browser; nothing is stored or sent anywhere.
What you own (assets)
What you owe (liabilities)
Your net worth updates as you type. Leave any row blank or at zero if it does not apply.
How net worth is calculated
Net worth is the simplest measure of your overall financial position: net worth = total assets − total liabilities. You add up everything you own at its current value, add up every debt at its current payoff balance, and subtract the second total from the first. If you own a home worth $300,000 with a $200,000 mortgage and have $40,000 in savings and a $10,000 car loan, your assets are $340,000, your liabilities are $210,000, and your net worth is $130,000. A positive number means you own more than you owe; a negative number means the reverse.
Why tracking net worth matters
A single net worth figure is less useful than the trend. Checking it every few months shows whether paying down debt and adding to savings is actually moving the needle. Early in life a negative net worth is common, often from student loans or a fresh mortgage; over the years, as balances fall and assets grow, the number tends to climb. Net worth also smooths out month-to-month income swings, so it is a steadier gauge of progress than any single paycheck or account balance.
Common questions
Should I use the price I paid or today's value?
Use today's estimated market value for assets such as your home, investments, and vehicles, and the current payoff balance for debts. Net worth is meant to reflect what your finances are worth right now, not what you originally paid or borrowed.
Do I include retirement accounts?
Yes. Count the current balance of retirement accounts such as a 401(k) or IRA as assets. Keep in mind that withdrawals may be taxed or penalized, so the spendable amount can be lower than the balance shown; this calculator does not adjust for that.
Is my data saved?
No. The calculation runs entirely in your browser. Nothing you type is stored, transmitted, or shared.
Method: net worth = total assets minus total liabilities, where assets are valued at current market value and liabilities at current payoff balance. General references include published explainers from Investopedia, NerdWallet, Bankrate, and the Corporate Finance Institute. Always verify your actual figures against your own statements.