Net Worth Calculator
Calculate your net worth by adding up assets (savings, investments, property) and subtracting liabilities (loans, credit cards).
Assets
Liabilities
Net Worth
-$205,000.00
Total Assets
$70,000.00
Total Liabilities
$275,000.00
Asset Allocation
| Retirement (401k/IRA) (71.4%) | $50,000.00 |
| Cash / Savings (28.6%) | $20,000.00 |
Liability Breakdown
| Mortgage (90.9%) | $250,000.00 |
| Student Loans (9.1%) | $25,000.00 |
Use the Net Worth Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Our Net Worth Calculator helps you understand your current financial standing by tallying your assets and subtracting your liabilities. Knowing your net worth is crucial for financial planning, especially as the average household income in the US is projected to reach $85,000 in 2026, and understanding your personal wealth trajectory is more important than ever. This tool provides a snapshot of your financial health, enabling you to set realistic goals and track progress towards your financial aspirations.
Your net worth is calculated using a straightforward formula: Total Assets - Total Liabilities = Net Worth. Assets include anything you own that has monetary value, such as cash in savings accounts, investments (stocks, bonds, retirement funds), and property (real estate, vehicles, valuable collectibles). Liabilities encompass all your debts, including mortgages, car loans, student loans, credit card balances, and personal loans.
When calculating your net worth, remember to be as thorough and accurate as possible; underestimating assets or overlooking liabilities can lead to an inaccurate picture. A common mistake is forgetting to include less obvious assets like vested stock options or the cash value of life insurance policies. Conversely, don't forget to factor in all outstanding debts, even small ones.
Example: Sarah's 2026 Financial Snapshot
- 1 Sarah, a software engineer, has $15,000 in her savings account, $80,000 in her 401(k), a house valued at $350,000, and a car worth $25,000. Her liabilities include a $280,000 mortgage, $15,000 in student loans, and a $5,000 credit card balance.
- 2 Total Assets = $15,000 (Savings) + $80,000 (401k) + $350,000 (House) + $25,000 (Car) = $470,000. Total Liabilities = $280,000 (Mortgage) + $15,000 (Student Loans) + $5,000 (Credit Card) = $300,000.
- 3 Net Worth = $470,000 (Total Assets) - $300,000 (Total Liabilities) = $170,000.
- 4 Sarah's net worth in 2026 is $170,000. This figure provides a clear indication of her financial standing and can be used to track her wealth growth over time, helping her make informed decisions about future investments and debt reduction strategies.
Source: SEC · Last updated: April 2026
Frequently Asked Questions
What is included in net worth?
What is the average net worth by age in the US?
Should I include my home in my net worth?
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