Zehum
Free tool

Free Net Worth Calculator

Add up your assets and liabilities to get a clear snapshot of your net worth.

Assets

$
$
$
$

Liabilities

$
$
$
Total assets
$342,000
Total liabilities
$222,000
Net worth
$120,000
Your numbers stay in your browser

Your single most important financial number

Income tells you how much money flows through your hands; net worth tells you how much you're actually keeping. By subtracting what you owe from what you own, you get an honest snapshot of your financial position — and a baseline you can track over time to see whether you're truly getting ahead.

How to use the net worth calculator

List your assets — cash, investments, property, vehicles — using their current market value. Then list your liabilities — mortgage, loans, and credit-card balances — using the outstanding amount. Your net worth updates instantly as the difference between the two totals.

Why the trend matters more than the number

A single net-worth figure is just a starting point. The real value comes from recalculating every few months and watching the line move. Rising net worth means your assets are growing faster than your debts — exactly what you want. If it's flat or falling, the budget planner and debt payoff calculator can help you find the leak and reverse the trend.

Frequently asked questions

What is net worth?

Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's the single clearest measure of your overall financial health — more meaningful than income alone.

What should I include as assets?

Cash and savings, investment and retirement accounts, the market value of your home and vehicles, and other valuables like a business stake. Use current market values, not what you originally paid.

What counts as a liability?

Everything you owe: mortgage, car loans, student loans, credit-card balances, personal loans, and any other debt. Use the current outstanding balance.

Is it bad to have a negative net worth?

Not necessarily — it's common early on, especially with student loans or a new mortgage. What matters is the trend. Track it every few months; a rising net worth means you're moving in the right direction.

How often should I calculate my net worth?

Quarterly or twice a year is plenty for most people. Checking too often can be discouraging because asset values fluctuate. The long-term trend is what counts.

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