Net Worth Calculator
The Net Worth Calculator adds up everything you own and subtracts everything you owe so you can see one honest number for your finances. It is made for beginners who want a clear starting point before setting goals, and it is completely free with no signup.
What counts as an asset
Cash and savings, retirement and brokerage accounts, the value of a home or car you own, and money owed to you.
What counts as a debt
Credit cards, student loans, car loans, the remaining mortgage balance, medical debt, and anything financed.
How it works
You enter the value of your cash, investments, retirement accounts, home, vehicles, and anything else you own, and then you enter what you still owe on a mortgage, student loans, auto loans, credit cards, and other debts. The calculator totals both sides instantly and shows the difference, which is your net worth today. Tracking that number every few months shows whether you are moving forward, even when the change feels small.
The formula in plain language
Your net worth equals the total value of your assets minus the total amount of your debts.
A worked example
Imagine you have $3,000 in savings, $5,000 in an investing account, and $10,000 in a retirement account, which adds up to $18,000 in assets. If you also owe $9,000 on a student loan and $2,500 on a credit card, your debts add up to $11,500. The calculator subtracts $11,500 from $18,000 and shows a net worth of $6,500.
Want a plan, not just a number?
The Net Worth Tracker Coach inside The Vault turns this result into a step by step plan matched to your money personality.
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Frequently Asked Questions
How do I calculate my net worth?
Add up everything you own (cash, investments, retirement accounts, home value, vehicles, other valuables) and subtract everything you owe (mortgage, student loans, car loans, credit cards, personal loans). The difference is your net worth. A negative number is normal early on, especially with student loans.
Should I include my house and car in net worth?
Yes, include the current market value as an asset and the remaining loan balance as a liability. Many people also track 'liquid net worth' separately, which excludes the home and vehicles, because that's the money actually available to you without selling where you live or how you get to work.
Is a negative net worth bad?
It's common, not disqualifying. New graduates with student loans and homeowners early in a mortgage often show negative or near-zero net worth. What matters is the trend line: is the number moving up quarter over quarter? Direction beats the absolute figure.
How often should I update my net worth?
Monthly or quarterly is plenty. Checking daily makes normal market swings feel like emergencies. Pick the same day each month, log the number, and compare the trend over a year.
What's a good net worth for my age?
One common benchmark is 1x your annual salary invested by 30, 3x by 40, and 6x by 50, but it's a rough guide, not a rule. Cost of living, student debt, caregiving, and career timing all shift it. Your own trajectory over 12 months is a more useful signal than any age chart.
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For educational purposes only. Not financial advice.