Net Worth Calculator
Add up what you own and subtract what you owe to get your net worth.
Last updated · View algorithm, constants and default inputs (JSON)
About this calculator
Net worth is total assets minus total liabilities. It is the single clearest measure of financial position because it ignores income entirely and looks only at what you have actually accumulated.
Worked example
calculated with the default values below
Cash and savings 20,000 $ · Investments 60,000 $ · Property value 300,000 $ · Other assets 10,000 $ · Mortgage balance 200,000 $ · Other debt 15,000 $ Total assets 390,000.00 $ · Total liabilities 215,000.00 $ · Net worth 175,000.00 $
General background references
Disclaimer
These calculators give estimates for general information only. They are not financial, tax or investment advice and do not take your personal circumstances into account. Before borrowing, investing or filing, confirm the numbers with a qualified adviser in your jurisdiction.
Implementation source
This record describes the implementation used by this page. It is not independent validation. External references, when available, support only the stated formula or definition; estimates and custom rules retain their own assumptions.
Formula and variables
W = (C + I + P + A) − (M + D)
- W
- net worth
- C
- cash
- I
- investments
- P
- property
- A
- other assets
- M
- total liabilities
M = mortgage + other debt; a negative W means liabilities exceed assets.
Frequently asked questions
Should I include my home in the calculation?
Either include both the property value and the outstanding mortgage, or exclude both. Counting the house without the loan flatters the figure enormously, and counting the loan without the house does the opposite. Because a home is illiquid, many people track net worth both ways: one figure with property, one without.
How should I treat pensions and retirement accounts?
Include them at their current value if you can access them, and note that many cannot be touched for decades. Money that would be taxed or penalised heavily if withdrawn is worth less than its headline balance. Track it, but keep a separate figure for what you could actually realise this year.