Net Worth Calculator — calculate your wealth

Net worth is the difference between what you own (assets) and what you owe (liabilities). It is one of the most important indicators of financial health. For someone with 470,000 in assets and 250,000 in debts, net worth is 220,000.

Assets are everything of value that belongs to you: cash, savings, real estate, investments. Liabilities are your debts: mortgage, consumer loans, credit card debt. Net worth = assets − liabilities.

Net worth is an objective picture of your financial situation in a single number. Tracking it regularly shows whether your wealth is growing and helps assess progress in saving and paying down debt. It is a better measure than income or account balance alone.

Liquid assets can be quickly converted to cash — cash, savings, deposits. Illiquid assets, like real estate, take time to sell and their value can fluctuate. Healthy wealth includes both, but it is wise to keep a cushion of liquid funds.

Negative net worth means your debts exceed the value of your assets. It is common among young people, e.g. after a student or mortgage loan. It is a signal to focus on paying down liabilities and building assets to turn positive over time.

Net worth grows by increasing assets (saving, investing) and reducing liabilities (paying off loans). The combination works best: regularly setting aside surplus and consistently paying down debt.

For most people a review once a quarter or every six months is enough. Checking too often can lead to nervous reactions to market swings. The long-term trend matters most, not momentary values.

Yes — include the current market value of real estate in assets. At the same time, record the remaining mortgage on the liabilities side. A home worth 500,000 with a 300,000 mortgage adds 200,000 to net worth.

Yes. Funds in pension accounts and private retirement investments are assets and should be included. This is often a significant part of wealth that is easy to overlook because it is not visible in your bank account day to day.

No. The calculator gives a quick, indicative picture of net worth. It does not account for taxes, asset-sale costs or your individual situation. For wealth, investment or retirement planning, consult a licensed financial advisor.