Net Worth Calculator
Calculate your current net worth by adding investments, cash, home equity, and other assets — then subtracting debts.
Enter your assets and liabilities above. Results update live.
Understanding Net Worth
Net worth is simply what you own minus what you owe: Assets − Liabilities = Net Worth. It's a snapshot of your overall financial position at a single point in time.
Assets include cash, investments, retirement accounts, home equity, vehicles, and other valuables. Liabilities include mortgages, loans, credit card balances, and any other debts.
Income tells you how much you earn. Net worth tells you how much you've kept and built. High earners who spend everything have low net worth; modest earners who save consistently can build substantial wealth.
Net worth is the true measure of financial progress. It captures the combined impact of savings, investment returns, debt payoff, and home equity appreciation over time.
Most financial advisors recommend calculating net worth once per quarter or at minimum annually. Monthly can be motivating early in your journey, but short-term market swings can make monthly comparisons noisy.
The most important metric is the long-term trend. Is your net worth growing year over year? Are your assets increasing faster than your liabilities?
Net worth grows when you: increase savings and investment contributions, reduce debt balances, allow investment accounts to compound, and build home equity through mortgage paydown and appreciation.
The fastest lever is usually a combination of increasing your savings rate and eliminating high-interest debt. Even $200–$400/month more toward investments or debt can dramatically shift your trajectory over 10–20 years.
Track net worth history and project your future net worth.
The premium planner tracks net worth over time and projects where you'll be in 5, 10, and 20 years based on your plan.