Net Worth Calculator
Total your assets, subtract your debts, and see where you stand.
How to use the Net Worth Calculator
- Enter the value of everything you own.
- Enter everything you owe.
- Read your net worth and whether it is positive.
Net worth = total assets − total liabilities
About the Net Worth Calculator
Net worth is simply what you own minus what you owe, and this calculator totals both sides for you. It adds up your assets — cash, savings, investments, property, vehicles and anything else of value — then adds up your liabilities — mortgage, loans, credit card balances and other debts — and subtracts the second from the first. The result is your net worth, flagged as positive or negative depending on whether your assets outweigh your debts.
The single figure matters more than any one line within it. It is the honest bottom line of your finances, and tracked over months and years it shows whether you are genuinely getting ahead — paying down debt and building assets — rather than simply earning and spending. A negative result is not a verdict; for many people early on it just reflects a mortgage or a student loan.
Bear in mind this is a snapshot in time, built entirely from the values you enter. Asset values, especially for property and vehicles, are estimates that move with the market, so the figure is only as good as your inputs. The calculator does not track change over time on its own — that is for you to revisit. To grow the asset side, see the savings goal calculator, and if Zakat applies to you, the Zakat calculator works from a similar tally of wealth.
Frequently asked questions
What counts as an asset?
Anything you own that has cash value: money in accounts, investments, the current market value of property and vehicles, and other valuables. Enter realistic present-day values rather than what you originally paid.
Should I use my home’s market value or what I owe on it?
Both, on opposite sides. Put the home’s current market value in assets and the outstanding mortgage in liabilities. The difference — your equity — is what actually contributes to net worth.
Is a negative net worth bad?
Not necessarily. It means your debts currently exceed your assets, which is common when a mortgage or student loan is still new. What matters more is the direction the figure moves over time.
How often should I recalculate?
Many people check quarterly or once or twice a year. The figure is a snapshot, so revisiting it on a regular schedule is what turns it into a useful measure of progress.
Are the values exact?
Only as exact as what you enter. Property and vehicle values in particular are estimates that change with the market, so treat the result as a close guide rather than a precise accounting figure.