Net Worth Calculator
Add up everything you own and subtract everything you owe to see your current net worth.
Why net worth matters more than income
Income measures cash flow, but net worth measures actual financial position — someone with a high income but heavy debt and no savings can have a lower net worth than someone with a modest income and consistent saving habits.
Tracking net worth over time (rather than as a single snapshot) is generally more useful than any single number, since it reveals whether your overall financial position is trending in the right direction.
What counts as an asset vs. a liability
Assets are things you own with monetary value — cash, investments, retirement accounts, real estate, and valuable personal property. Liabilities are what you owe — mortgages, loans, and credit card balances.
It's worth noting that real estate and retirement accounts are less liquid than cash — your net worth can be technically high while still having limited accessible cash for near-term needs, which is why many people also track liquid net worth separately.
Frequently asked questions
Should I include my car's value as an asset?
You can include it under 'other assets' if you want a complete picture, though many people exclude depreciating personal property like vehicles from net worth tracking since it doesn't build wealth the way other asset classes do.
How often should I recalculate my net worth?
Many people track it quarterly or annually — frequent enough to see meaningful trends, but not so often that normal market fluctuations feel misleading.