How is net worth calculated?

Total assets minus total liabilities.

What counts as an asset?

Cash, investments, retirement accounts, real estate, and vehicles, generally at market value.

Why track net worth instead of just income?

It reflects overall financial health, capturing savings and debt paydown that income alone doesn't show.

Net Worth Calculator - CalculatorLabs.net

Net Worth Calculator

Add up what you own and subtract what you owe to see your true financial picture.

ASSETS

Cash & Savings ($)

Investments ($)

Retirement Accounts ($)

Property / Real Estate ($)

Vehicles ($)

Other Assets ($)

LIABILITIES

Mortgage Balance ($)

Car Loans ($)

Credit Card Debt ($)

Student Loans ($)

Other Debts ($)

Total Assets-

Total Liabilities-

Net Worth-

What Is Net Worth?

Net worth is the clearest single number for measuring your overall financial position. It's simply everything you own (assets) minus everything you owe (liabilities). Tracking it once a year helps you see whether your finances are trending in the right direction.

Net worth balances what you own against what you owe.

Formula

Net Worth = Total Assets − Total Liabilities

How to Use This Calculator

Fill in each asset field: cash, investments, retirement accounts, property, vehicles, and any other assets you own.
Fill in each liability field: mortgage, car loans, credit card debt, student loans, and other debts.
Leave any field blank or zero if it doesn't apply to you.
Click "Calculate Net Worth" to see your total assets, total liabilities, and final net worth.

Worked Example

Example: Assets of $15,000 cash + $40,000 investments + $250,000 home = $305,000. Liabilities of $180,000 mortgage + $8,000 credit card = $188,000. Net Worth = $305,000 − $188,000 = $117,000.