Your net worth is the most important number in personal finance. It’s not about how much you earn—it’s about what you keep. This free Net Worth Calculator helps you understand your true financial position by subtracting what you owe from what you own.
Enter your assets (like cash, investments, and property) and your liabilities (like loans and credit card debt) to instantly see your net worth. Use it as a personal finance check-in every 3–6 months.
How Net Worth Is Calculated
Here’s the simple formula this calculator uses:
Assets – Liabilities = Net Worth
Where:
- Assets include: cash, savings, stocks, real estate, vehicles
- Liabilities include: credit cards, student loans, personal debt
Example Scenario
Let’s say you have:
- Assets: $10,000 in savings, $15,000 in investments, $80,000 car/property = $105,000
- Liabilities: $5,000 in credit card debt, $20,000 in student loans = $25,000
Net Worth = $105,000 – $25,000 = $80,000
This number gives you a snapshot of your financial health and can help guide big decisions like investing, budgeting, or building an emergency fund.