Personal Net Worth Calculator
Add up your assets and liabilities by category to calculate your personal net worth, with a breakdown of what makes up each side of the balance.
Assets
Liabilities
Net worth
$120,000
Total assets
$425,000
Total liabilities
$305,000
Debt-to-asset ratio
71.8%
Net worth is a snapshot, not a forecast — it doesn't account for how easily an asset could actually be sold (illiquid property vs. cash), taxes due on selling an investment, or future income and expenses. This is a simple sum, not personalized financial advice.
About this tool
How to use it
- Fill in each asset field with a current estimated value (leave any that don't apply at 0).
- Fill in each liability field with the current balance owed.
- Press Calculate Net Worth, or just keep typing — the total updates live.
- Read the hero figure for your net worth, and the breakdown table to see which category makes up the biggest share of each side.
Why it matters
Net worth condenses everything you own and owe into one number, which makes it possible to track real financial progress over time in a way that watching a single bank balance or a single investment account can't. Seeing the category breakdown alongside the total also shows where your balance sheet is concentrated — heavily in property, for instance, versus spread across cash and investments.
When to use it
Useful for an annual or quarterly check-in on where you stand financially, before a major financial decision like taking on a new loan, or when tracking progress toward a specific net-worth goal over time.
Good to know
This is a simple sum of what you enter — assets minus liabilities — not a valuation service, and it doesn't verify or look up any of the figures for you. It doesn't account for how easily an asset could actually be converted to cash (illiquid property versus liquid savings), taxes that would be owed on selling an investment, or your future income and expenses. Treat the result as a snapshot of today's numbers, not personalized financial advice or a forecast.
Common questions
What counts as an asset for net worth?
Anything of monetary value you own: cash and savings account balances, investment and retirement account balances, the current market value of property you own, vehicles at their resale value, and any other significant items of value. Personal belongings with little resale value (furniture, clothing) are typically left out since they don't meaningfully move the total.
Should I use the amount I paid for my house or its current value?
Use its current estimated market value, not the original purchase price — net worth reflects what your assets are worth today, and a property's value typically changes over time in either direction from what was originally paid.
Why is my net worth negative?
A negative net worth simply means your total liabilities currently exceed your total assets, which is common early in adulthood, right after taking on a mortgage or education debt, or during a temporary setback — it's a snapshot of today, not a permanent state, and tends to move as debts are paid down and assets grow.
How often should I recalculate my net worth?
Many people find a quarterly or annual check useful for tracking trends without over-focusing on short-term market swings in investment or property values — recalculating too frequently can make normal, temporary fluctuations feel more significant than they are.