Net worth calculator: what you own minus what you owe
Add up what you own and what you owe. See the total, where it comes from, and how much of it is the house.
What you own
Current accounts, savings accounts, cash ISAs, money market.
Brokerage accounts, funds, shares, bonds — at today’s market value.
401(k), IRA, pension pots — the balance on the statement. Any tax due on withdrawal is not deducted.
What it would sell for today, not what you paid. Selling costs are not deducted.
What a buyer would pay today, not the purchase price.
What you owe
The balance still owed, from the latest statement.
The balance owed today, whether or not it is paid in full each month.
More options(2)
Anything you could sell — a business stake, valuables, money owed to you. At what it would fetch.
Personal loans, overdrafts, buy-now-pay-later, money owed to family, tax owed.
$429,000 owned · $276,500 owed
$152,500
You own $429,000 and owe $276,500, so your net worth is $152,500. Of that, $80,000 is equity in the home (its value minus the mortgage); everything else adds up to $72,500. What you owe comes to 64.5% of what you own, and the largest single debt is the mortgage at $240,000.
- Total assets
- $429,000
- Total liabilities
- $276,500
- Debt-to-asset ratio
- 64.5%
- Home equity
- $80,000
- Net worth without the home
- $72,500
- Owned outside the home
- $109,000
Owned against owed
Both bars are on the same scale; the gap between them is your net worth.
Owned$429,000
Owed$276,500
Line by line
Each figure as a share of its own side
| What you own | ||
|---|---|---|
| Cash and savings | $12,000 | 2.8% |
| Investments | $18,000 | 4.2% |
| Retirement accounts | $64,000 | 14.9% |
| Home | $320,000 | 74.6% |
| Vehicles | $15,000 | 3.5% |
| Total | $429,000 | |
| What you owe | ||
| Mortgage | $240,000 | 86.8% |
| Car loans | $11,000 | 4% |
| Student loans | $22,000 | 8% |
| Credit cards | $3,500 | 1.3% |
| Total | $276,500 | |
| Net worth | $152,500 | |
Every figure is the value you entered. Nothing is deducted for selling costs, for a car or anything else losing value, or for tax due when money comes out of a retirement account — those depend on facts this page cannot know.
What a net worth calculator adds up
Net worth is one subtraction: everything you own, at what it is worth today, minus everything you owe. A net worth calculator does that sum and, more usefully, shows where the answer comes from — which is where most of the insight is, because two people with the same total can be in very different positions.
The example it opens with owns $429,000 and owes $276,500, for a net worth of $152,500. The household is invented to exercise every part of the page, not to represent anyone typical; replace every figure with your own. The values you type are the values counted — the page does not estimate what your house or car is worth, and it does not have an opinion on whether the total is high or low.
Paying off a debt does not change it
This surprises people. Use $3,500 of the example’s cash to clear the credit card and the page shows $425,500 owned and $273,000 owed — and a net worth of exactly $152,500, the same as before. Both sides shrank by the same amount. What did change is the debt-to-asset ratio, from 64.5% to 64.2%, and the interest the card would have gone on charging. That interest is the real gain from repaying: every month it is not charged is a month net worth does not lose it.
So net worth moves for a short list of reasons: money from income that is kept rather than spent, things you own changing in value, interest charged on what you owe, and interest or returns earned on what you have. Shuffling money between the two sides — paying a debt from savings, or borrowing to fill a savings account — leaves it where it was.
Borrowing to buy something
The same logic runs the other way. Buy a $30,000 car with a $30,000 loan and, on paper, net worth is unchanged: a $30,000 asset and a $30,000 debt arrive together. But the asset is counted at what a buyer would pay for it, not what you paid. If the answer the next day is $26,000, net worth has fallen by $4,000 without any money leaving an account. The loan, meanwhile, shrinks only as fast as its repayments allow — the loan repayment calculator shows how much of each early payment goes to interest rather than the balance.
Why the home gets its own line
In the example the home is the largest number on both sides, and $80,000 of the $152,500 is home equity — the $320,000 value minus the $240,000 mortgage. Take the home and its mortgage out and net worth is $72,500, from $109,000 owned outside the home against $36,500 owed.
Both figures are correct; they answer different questions. Equity is real wealth, but it cannot be spent without selling the home or borrowing against it, and its value is an estimate until a sale happens. The figure without the home is closer to what could be drawn on without moving. That is why the calculator shows both rather than choosing one. If the home is worth less than the mortgage, the page says so: the equity is negative and it pulls the total down. To see how overpaying changes the mortgage side, try the mortgage overpayment calculator.
What the figures leave out
Three things are deliberately not deducted, because each depends on facts this page cannot know. Selling costs: a home or a business stake would not fetch its full value in your pocket after fees. Loss of value: a car worth $15,000 today will not be worth that next year, but how much less is a guess. And tax: money in a retirement account may be taxed when it comes out, depending on the type of account and the country, so the balance on the statement is not all yours to spend. If you want any of these counted, enter the value net of them — the page will count exactly what you type.
The debt-to-asset ratio is simply what you owe divided by what you own: $276,500 over $429,000, or 64.5%, in the example. Above 100% means net worth is negative. The page shows the ratio without grading it — a new mortgage pushes it high for perfectly ordinary reasons, and it says nothing about whether the payments are affordable.
Where it fits with the other tools
A net worth figure is a snapshot; the other calculators are about how its pieces move. If the liabilities side is mostly unsecured debt, the debt payoff calculator shows how long one balance takes to clear, and debt snowball vs avalanche compares two orders of attack across several. On the assets side, the emergency fund calculator measures the cash line against your spending, the investment growth calculator shows what the investments might become if returns average a given rate, and the retirement number calculator works out the pot a given spending level implies. For the round numbers along the way, see investment milestones.
Common questions
What is a good net worth for my age?
Does paying off debt increase my net worth?
Should I include my car, my pension or my home?
What does a negative net worth mean?
Not advice. This tool applies arithmetic to assumptions you entered. It does not know your circumstances, your tax position or your goals, and it is not a recommendation to buy, sell or hold anything. Past returns do not predict future ones, and no figure here is a forecast.