Net Worth Calculator
Assets minus liabilities = your true financial picture
Assets (What You Own)
Liabilities (What You Owe)
About the Net Worth Calculator
The Net Worth Calculator reveals your true financial position by subtracting everything you owe from everything you own — giving you a single, definitive number that measures your wealth. It covers all major asset classes (cash, investments, real estate, gold) and liability types (home loan, car loan, credit cards, personal loans) for a comprehensive picture. This calculator is ideal for anyone who wants to track financial progress over time and make informed decisions about debt repayment and investment.
How to Use
- Select your currency and enter the current market value of each asset you own.
- Include home equity (current property value, not purchase price), investments at current value, and all savings.
- Enter the outstanding balance of every liability — loans, credit card balances, and any other debts.
- Click Calculate Net Worth to see your net worth, debt ratio, and a visual breakdown.
Formula / Methodology
A positive net worth means your assets exceed your debts. A negative net worth is common early in life (e.g., due to student loans) but should improve steadily as debts are paid down and assets grow.
Understanding Your Results
Important Note
Calculate your net worth at least once every quarter and compare the trend over time. Include home equity (current market value minus outstanding mortgage), and use current market values for investments and gold rather than purchase prices. Consistent quarterly tracking is the best way to measure financial progress and stay motivated.