Add up your assets and liabilities to find your net worth and asset mix
Assets
Name
Amount
Liabilities
Name
Amount
Net worth
70,000
Total assets
320,000
Total liabilities
250,000
Total assets320,000
Total liabilities250,000
Asset Breakdown
House300,000 (93.8%)
Cash20,000 (6.3%)
Formula
Net worth = Total assets - Total liabilities
Your net worth is everything you own (assets) minus everything you owe (liabilities). A positive value means your assets exceed your debts; a negative value means you owe more than you own.
What is a Net Worth Calculator?
A net worth calculator adds up everything you own and subtracts everything you owe to give a single snapshot of your financial position. Assets include cash, savings, investments, property and vehicles; liabilities include mortgages, loans and credit card balances. List each item with its value, and the calculator shows your total assets, total liabilities, your net worth, and a breakdown of which assets make up the largest share. Tracking net worth over time is one of the clearest ways to measure financial progress.
How to Use
1. In the Assets table, add each thing you own with its current value (savings, investments, home, car, and so on).
2. In the Liabilities table, add each debt you owe with its outstanding balance (mortgage, loans, credit cards).
3. The calculator instantly shows total assets, total liabilities and your net worth.
4. Use the asset breakdown to see how your wealth is distributed and the bars to compare assets against liabilities.
How It Works
Net worth is calculated as Net worth = Total assets - Total liabilities. Total assets is the sum of the value of everything you own, and total liabilities is the sum of everything you owe. For example, with a home and cash worth $320,000 in assets and a $250,000 mortgage in liabilities, your net worth is 320,000 - 250,000 = $70,000. The asset breakdown shows each asset as a percentage of total assets.
Interpreting Results
A positive net worth means you own more than you owe, while a negative net worth means your debts exceed your assets - common early in life with student loans or a new mortgage. The trend matters more than the single number: rising net worth over time signals growing financial health. The asset breakdown reveals concentration risk; if one asset, such as your home, dominates, your wealth is less liquid and less diversified. Review the figures regularly and watch how paying down liabilities and growing assets both move the result.
Frequently Asked Questions
What counts as an asset? ▾
Anything you own that has value: cash, bank and savings accounts, investments and retirement accounts, real estate, vehicles, and valuable personal property. Use current market values rather than what you originally paid.
What counts as a liability? ▾
Everything you owe: mortgage balances, student and personal loans, car loans, credit card balances and any other outstanding debt. Use the current payoff amount for each.
Can net worth be negative? ▾
Yes. If your liabilities are larger than your assets, your net worth is negative. This is common for people early in their careers or just after taking on a mortgage or student debt, and it usually improves as debts are paid down and assets grow.
How often should I calculate my net worth? ▾
Checking it every few months or once a quarter is enough for most people. Tracking the trend over time is far more useful than any single snapshot, because it shows whether your financial position is improving.
How can I increase my net worth? ▾
Increase assets (save and invest more, and let investments grow) and reduce liabilities (pay down high-interest debt). Net worth rises whenever assets grow faster than debts, so doing both at once has the biggest effect.
This calculator provides general estimates for educational purposes only and is not financial advice. Asset values can fluctuate and the result depends entirely on the figures you enter. Consult a qualified financial professional for advice on your situation.