Net Worth Calculator
Add up everything you own — home, savings, stocks, car — and subtract all your debts. What's left is your net worth.
How to use the calculator
- Fill in the value of everything you own: home, savings/investments, and other assets.
- Fill in all your debt: mortgage and other debt.
- See your net worth — what you'd be left with if everything was sold and all debt paid off.
How it's calculated
Worked example: a home worth $4,000,000, $300,000 in savings and a $150,000 car add up to $4,450,000 in assets. With $3,000,000 in mortgage debt and $100,000 in other debt, net worth is 4,450,000 − 3,100,000 = $1,350,000. Net worth is not the same as taxable wealth: tax rules and assessed values vary by jurisdiction and asset type, while this calculator consistently uses market values.
Net worth is a snapshot of your financial position — not income or savings rate, but the real value of what you own minus what you owe. Many financial advisors recommend calculating it at least once a year to track progress over time.
What actually counts as an asset and a liability
Net worth is assets minus liabilities, but it is easy to include something that does not belong on either side. Accrued pension rights are a typical example: they represent substantial future value, but they are not an asset you can sell or borrow against, and are normally left out of a personal net worth statement. The same goes for an expected inheritance or a bonus not yet paid.
On the asset side, valuation is the decisive choice. A home can be entered at estimated market value, which is the figure that says something about your actual financial position, or at an assessed value for tax purposes, which is usually far lower and relevant only to the tax calculation. Apply the same principle consistently, and remember that assets you cannot realise quickly — property, a second home, a car — count towards net worth without being available liquidity.
Frequently asked questions
Is net worth the same as taxable wealth?
No — wealth tax uses its own, often lower, assessed values for property and other assets. This calculator shows your real, market-based net worth.
Should my net worth be positive?
Not necessarily early in life — many people with a new mortgage or student loan have temporarily negative net worth. What matters is that it trends positively over time.
How often should I calculate my net worth?
Once to four times a year is common — often enough to see a trend, rare enough that short-term market swings don't cause unnecessary worry.