Net Worth Calculator
Your net worth: everything you own minus everything you owe.
Result
Net worth
3,000,000
How it works
Net worth is the simplest picture of a financial position: everything you own minus everything you owe. Assets of 250,000 against debts of 180,000 give a net worth of 70,000 — the number that would remain if you settled up today. Its value is that it captures both sides at once. Income says nothing about accumulation: a high earner with large debts can have a lower net worth than a modest earner who has quietly paid things off. Net worth is the scoreboard; income is only the rate of play. Watch the direction more than the level. A figure that climbs each quarter means you are building, whichever number it starts from, and a negative net worth is common and unremarkable early in life — a graduate with student loans and no assets is simply at the start of the curve, not in trouble.
Advertisement
Frequently asked questions
What counts as an asset?
Cash, savings, investments, property and anything of value you own.
Can net worth be negative?
Yes — if your debts exceed your assets, which is common early in life with loans.
Should I include my main home?
Include its market value as an asset and the outstanding mortgage as a liability — that pair reflects reality. Some people track a second figure excluding it, since a home you live in cannot be spent.
Advertisement