Net Worth Calculator
Add up your assets and subtract your debts to find your net worth.
Results update as you type.
About this calculator
Your net worth is everything you own (assets) minus everything you owe (liabilities), and this net worth calculator totals both sides to give the bottom line. It adds your cash and savings, investments and retirement accounts, property value and other assets, then subtracts your mortgage, loans and credit-card debt.
The formula is simply total assets − total liabilities. For example, 10,000 in cash, 20,000 invested, a 300,000 home and 5,000 in other assets total 335,000; against a 200,000 mortgage, 15,000 in loans and 3,000 of card debt (218,000 in liabilities), net worth is 117,000. The number can be negative when debts outweigh what you own, which is common early in a mortgage or with student debt.
Use it as a single snapshot of financial health and, more usefully, track it over months and years — a rising net worth means you are building wealth faster than debt. Count only the current market value of assets and the remaining balance on each debt for an honest figure.
Frequently asked questions
How do I calculate net worth?
Net worth = total assets − total liabilities. Add up what you own (cash, investments, property, valuables) and subtract what you owe (mortgage, loans, card balances). The result can be negative if debts exceed assets.
What counts as an asset versus a liability?
Assets are things of value you could sell or draw on — savings, investments, a home, a car. Liabilities are debts you must repay. Only count the current market value of assets and the remaining balance on debts.
Should I include my home in my net worth?
Yes — enter its current market value as an asset and the outstanding mortgage as a liability. The difference is your home equity, often the largest single component of net worth, so the tool separates the two rather than netting them for you.
What is a good net worth for my age?
There is no universal figure, but a common benchmark is to have net worth roughly equal to your annual income by your 30s and several times it by your 50s. More important than any target is the trend — a net worth that climbs year over year.
Does net worth include retirement accounts?
Yes. Balances in accounts like a 401(k), IRA or pension count as investment assets. Enter their current value; if withdrawals will be taxed later, remember the after-tax amount you could actually spend is somewhat lower.
Why is my net worth negative?
A negative net worth means your debts exceed your assets, which is normal soon after taking on a mortgage or student loans. As you pay down balances and assets grow, the figure typically turns positive over time.
API — use this calculator from code
Call this calculator as a free JSON endpoint — no key required. Send the field values below as query parameters or JSON. Read the full API docs →
Endpoint
GET https://calculator.free/api/v1/net-worth/curl
curl "https://calculator.free/api/v1/net-worth/?cash=10000&investments=20000&property=300000&mortgage=200000&loans=15000"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/net-worth/?" + new URLSearchParams({
"cash": "10000",
"investments": "20000",
"property": "300000",
"mortgage": "200000",
"loans": "15000"
}));
const data = await r.json();
console.log(data.results);Results are estimates for general guidance only, not financial, medical or tax advice.