Net Worth Calculator

Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is a snapshot of your overall financial health.

Assets include cash, bank accounts, investments, retirement accounts, real estate, vehicles, and any other property of value you own.

Liabilities include mortgage balances, car loans, student loans, credit card debt, personal loans, and any other money you owe.

A ratio above 1.0 means you own more than you owe, which is generally healthy. A ratio of 2.0 or higher indicates a strong financial position.

Most financial advisors recommend tracking net worth quarterly or at least annually to monitor your progress toward financial goals.

A negative net worth is common early in life, especially with student loans. What matters most is the trend — a net worth moving upward over time indicates financial progress.