Personal finance / net worth

Net worth calculator

Create a private snapshot of what you own minus what you owe. Use conservative current values and repeat the exercise over time to see direction, not to judge your financial progress by one number.

Results are estimates for planning. Review the assumptions and verify important decisions with the right official or qualified source.

step 1 / your inputs

Start with your numbers.

The gray example is only a guide. Replace it with your own number.

Cash and checking$Accessible cash balances. Example: 4200Investments and retirement$Current account values. Example: 18000Home or property value$Estimated current value, if applicable. Example: 0Vehicle value$Estimated current resale value. Example: 12000Other assets$Other valuable assets you want to include. Example: 1000Credit-card debt$Current revolving balances. Example: 2400Student or personal loans$Outstanding installment debt. Example: 18000Mortgage balance$Outstanding home loan balance. Example: 0Auto-loan balance$Outstanding vehicle loan. Example: 9000Other debt$Any additional debt balances. Example: 0

step 2 / see your estimate

Your result updates as you type.

Estimated net worth

$0 assets − $0 debts

Total assets

Current values entered above

Total debts

Balances entered above

Calculated in your browser. No data is sent.

How to use this estimate

Use current balances and realistic resale values rather than original purchase prices.
A net-worth snapshot is most useful when repeated consistently over time.
Do not include personal belongings unless you could reasonably value or sell them.

Common questions

Is a negative net worth always a problem?+

Not necessarily. Education loans, a new mortgage, or early-career income can make the snapshot negative while the balance sheet changes over time.

Should I include my home?+

You can include an estimated current value and subtract the mortgage balance. Be consistent each time you update the snapshot.

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