Net Worth Calculator

Net worth is total assets minus total liabilities. It is the single clearest measure of financial position, because it captures both sides at once — income tells you about flow, net worth tells you about accumulated result.

Assets include cash and bank balances, investment and retirement accounts, property at current market value, vehicles at realistic resale value, and business equity. Liabilities include mortgages, car loans, student loans, credit card balances, and any other outstanding obligation. Value assets at what they would realistically sell for today, not at purchase price and not at what you hope they are worth. Vehicles in particular tend to be carried at values well above what they would actually fetch.

The direction matters more than the level. A negative net worth is normal and unalarming for a recent graduate with student debt and few assets; the meaningful question is whether the number is improving over time. Tracking it quarterly or annually reveals whether decisions are compounding in the right direction, in a way that a single snapshot cannot.

Two distinctions are worth drawing. Liquid net worth excludes assets you cannot readily sell — primary residence, retirement accounts subject to early-withdrawal penalties — and is the better measure of resilience, since it reflects what you could actually access. And an asset financed by debt appears on both sides: a property counts at market value while its mortgage counts as a liability, so only the equity contributes. Counting the asset without the corresponding debt is the most common error here. Everything runs in your browser — no login, no upload, and no figure you enter leaves the page.