Net Worth
This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.
How the net worth calculator works
It totals everything you own — cash, investments, retirement accounts, property and other assets — and subtracts everything you owe to give your net worth, the clearest single measure of financial health.
Worked example: with cash & savings of $15,000, investments of $40,000 and retirement accounts of $85,000, the net worth calculator shows your net worth of $247,000.
- Total assets
- $515,000
- Total liabilities
- $268,000
- Net worth
- $247,000
- Debt-to-asset ratio
- 52%
The formula
Net worth = total assets − total liabilities.
Results are estimates for educational purposes and are not financial advice. Confirm exact figures with your lender, plan administrator or advisor.
Questions about the net worth
What counts toward net worth?
Assets are everything you own with value (cash, investments, retirement accounts, real estate, vehicles); liabilities are everything you owe (mortgage, loans, credit-card debt).
Is a negative net worth bad?
Not necessarily — it is common early on with student loans or a new mortgage. What matters is the trend: tracking it over time shows whether you are improving.
How often should I calculate net worth?
A few times a year is plenty to spot the trend without obsessing over short-term market swings.
Is the Net Worth free to use?
Yes. Every calculator on FinCalculators is completely free, with no sign-up, login or paywall. You can run as many scenarios as you like.
How do I calculate my net worth?
Add everything you own — cash, investments, retirement accounts, home and vehicle values — then subtract everything you owe, such as mortgages, loans and card balances. The result is your net worth, and it can be negative early on.