Net Worth Calculator
Last updated: November 4, 2026
Calculate total assets, total liabilities, and personal net worth.
On this page
Quick summary: Add entered asset values, subtract outstanding liabilities, and inspect a clearly dated balance-sheet snapshot.
Read the complete guide
Updated reference sections in this guide are in English.
Use one valuation date and one currency
Enter the current values of the assets you want to include, then the remaining balances of the liabilities you owe. Use figures that refer to roughly the same date. This is a snapshot of amounts owned and owed; it is not a measure of this month’s income or a forecast of future wealth. The website does not retrieve bank records or value assets for you.
Assets minus liabilities
Total liabilities = mortgage + other loans + credit cards + other liabilities
Net worth = total assets − total liabilities
The additional liabilities-to-assets percentage divides total liabilities by total assets. It can exceed 100% when liabilities are larger than assets. If entered assets are zero, that percentage is undefined; the net-worth amount can still be calculated.
Avoid subtracting property debt twice
A simple balance-sheet example
Cash 12,000, investments 20,000, property 100,000 and vehicles 8,000 total 140,000 in assets. A mortgage of 60,000, other loans of 5,000 and credit cards of 2,000 total 67,000 in liabilities. Net worth is 73,000.
The property field uses the full property value before the related debt. If you enter only property equity and also list the mortgage separately, you subtract the mortgage twice. Apply the same approach to a financed vehicle.
Check this scenario in the calculator:
- Cash and bank balances
- 12000
- Investment value
- 20000
- Property value before related debt
- 100000
- Vehicle value before related debt
- 8000
- Other asset value
- 0
- Outstanding mortgage debt
- 60000
- Other outstanding loans
- 5000
- Credit card balances owed
- 2000
- Other liabilities
- 0
- Currency (display only)
- USD — US dollar
Interpret the snapshot with its limits
A property or retirement-account value does not necessarily represent cash available immediately. Sale costs, tax, restrictions, disputed values and future commitments are not calculated. Use your ownership share for jointly held assets and include only the liabilities represented by the scope you chose. Do not combine a whole household’s asset values with only one person’s share of its debts. A positive result is not a guarantee that current bills can be paid on time.
Reference and questions
Investor.gov: Figure Out Your Finances explains an assets-and-liabilities net-worth statement. Values in this tool remain your own inputs.
Can net worth be negative?
Yes. It is negative when the entered liabilities exceed the entered assets.
Should I put monthly loan payments in the loan fields?
No. Enter remaining balances owed for this snapshot, rather than one month’s payments.
Does the currency selector convert foreign assets?
No. Convert values consistently yourself before entering them; the selector labels the displayed result.