Net Worth Calculator

Net worth is simply total assets minus total liabilities — everything you own with monetary value, minus everything you owe. A positive number means your assets outweigh your debts; a negative number means the reverse.

Assets are things you own that have value — cash, investments, retirement accounts, real estate, vehicles. Liabilities are debts you owe — mortgages, car loans, credit card balances, student loans. The same item (like a house) contributes to assets at its market value, while any remaining mortgage on it is tracked separately as a liability.

Yes — use "+ Add asset" or "+ Add liability" to add as many custom line items as you need, and simply clear a row's value to exclude it, so the tool adapts to however many accounts, debts, or properties you want to track.

Net worth gives a complete financial picture that income alone misses — someone with a high income but heavy debt can have a lower net worth than someone with a modest income and no debt. It's a commonly used single metric for tracking overall financial progress over time.