Everything you own minus everything you owe, your financial snapshot.
A net worth calculator adds up everything you own and subtracts everything you owe, giving you a single snapshot of your financial position. Enter your assets, cash, investments, retirement accounts, home, and vehicles, and your debts to see where you stand.
A single net-worth figure means little on its own, what matters is the direction over time. Checking it once or twice a year turns it into a scoreboard for every financial decision: paying down debt, investing, and saving all push the line up, while lifestyle inflation quietly flattens it. Most people find the trend more motivating than any budget.
Net worth is only useful if the inputs are realistic. Value your home at what it would actually sell for, not what you paid or hope to get, price vehicles at current market value since they depreciate, and use today's payoff balances for debts. Leave out anything you couldn't sell; the goal is a picture you can act on.
Everything you own (assets) minus everything you owe (debts). It's the clearest single measure of financial health, and tracking the trend over time matters more than any one figure.
It's common early in life, student loans and a new mortgage can outweigh assets. What matters is that it rises over time.
Use current market values: cash and savings, investment and retirement accounts, your home, vehicles, and other valuables, and current payoff balances for debts.
See the exact formula and a worked example on our methodology page.