Net Worth Calculator

Net worth is the single number that summarizes a balance sheet: everything owned minus everything owed. It takes about ten minutes to compute and it answers a question no income figure can — whether you would be solvent if every debt came due today.

Cash and checking balances($)Taxable investments($)Retirement accounts($)Counted at full statement value; note that withdrawals attract tax and penalties.Home market value($)Vehicle resale value($)Mortgage payoff balance($)Student loan balance($)Auto loan balance($)Credit card balances($)

Net worth

$328,100.00

Total assets: $634,500.00
Total liabilities: $306,400.00
Liquid net worth (excludes home, retirement, vehicle): -$209,400.00
Debt-to-asset ratio: 48.29%

Values update as you type. This calculator covers the single scenario its formula assumes — see Common Mistakes for what it leaves out.

The formula this calculator uses

Net Worth = Total Assets - Total Liabilities

Assets: Cash, investments, retirement accounts, property, vehicles, anything resalable
Liabilities: Mortgage, student loans, auto loans, credit card balances, any money owed
Net Worth: The difference. Negative means debts exceed assets.

How to check the result by hand

1
List every asset at its current market value
Cash at face value, brokerage accounts at today's statement balance, retirement accounts at current value, property at a realistic sale price net of selling costs, vehicles at private-party resale value. Ignore what anything originally cost — only today matters.
2
Split the asset list into liquid and illiquid
Liquid means spendable within days without penalty. Cash and taxable brokerage accounts qualify. Retirement accounts do not, because accessing them before age 59 1/2 triggers tax plus penalty; houses and cars do not, because selling takes months and costs thousands in fees.
3
List every debt at its payoff amount
Request current payoff figures rather than statement balances, since interest accrues between statements. A vehicle loan showing nothing may still have weeks of interest outstanding. Include student loans, credit cards, personal loans, tax debts owed and any money borrowed from family.
4
Total both columns separately
Do not net anything against anything else. A rental property and its mortgage both belong on the list at full value; netting them hides both the asset and the leverage. Add each column independently, then compare.
5
Subtract, then read the derived ratios
Net worth is assets minus liabilities. Follow up with liabilities divided by assets for leverage, and skip both lists' least liquid entries to see liquid net worth. Each answers a different question, and one alone misleads.

For worked examples, common mistakes and the limits of this formula, read the full How To Calculate Net Worth page.