Net Worth Calculator
Add what you own, subtract what you owe, and turn your financial position into one useful snapshot.
Use reasonable current values. Net worth is a snapshot, not a measure of monthly cash flow or financial well-being by itself.
What net worth is good for
It gives you a repeatable snapshot of assets and liabilities. Tracking the number over time can show whether saving, investing and debt reduction are moving in the direction you want.
What it does not show
Net worth does not tell you whether monthly cash flow is healthy or whether assets are liquid. Use it alongside an emergency-fund and cash-flow view.
Use current values and avoid double counting
Use a consistent date for balances and a reasonable current resale value for property. Do not add home equity as an asset if you have already entered the full home value and the mortgage separately. The subtraction calculates that equity for you. Likewise, include a retirement account once rather than counting both the account and the funds it holds.
A worked example
Imagine $15,000 in cash, $40,000 in investments and a home worth $250,000. Total assets are $305,000. A $180,000 mortgage and $10,000 of other loans make liabilities $190,000, so net worth is $115,000. These are fictional figures; they illustrate the calculation rather than a recommended target.
Read the number alongside cash flow
A home can contribute substantially to net worth without providing cash for next week’s bills. Identify liquid reserves separately, then compare regular income with required payments. A negative result means recorded liabilities exceed recorded assets; it does not tell you which debt to address first or whether your income can cover the payments.
Track change using the same method
Save the calculation date and valuation assumptions, then repeat them consistently. Separate changes caused by contributions and debt repayment from changes in market value. A short-term decline in an investment balance need not mean your saving process failed. Use the debt payoff calculator for a repayment scenario rather than trying to infer a payment plan from net worth alone.