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Net worth calculator

Subtract your debts and other liabilities from your total assets to estimate your net worth.

INPUTSEnter your figures
METHODOLOGY

Transparent calculation

Subtract your debts and other liabilities from your total assets to estimate your net worth.

Calculation equationNet worth = total assets − total liabilitiesPreset assumptions can be adjusted in the calculator when applicable.
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Results are mathematical estimates based solely on the values entered. They are not financial, investment, tax or legal advice, nor an offer or recommendation of any financial product.

FinanceCalc · 2026

Your net worth is a balance-sheet snapshot, not your income

Net worth is what you own minus what you owe at a chosen date. Assets can include cash, investments, and the estimated current value of property. Liabilities can include mortgage balances, credit-card debt and other outstanding loans. Use consistent currency and values from the same date.

Formula

Net worth = total assets − total liabilities

Enter the total value of assets, not monthly earnings, and subtract the outstanding balances of debts, not your monthly repayments. A negative result means liabilities exceed assets at that point in time.

Worked example with the default inputs

Total assets: $250,000 · Total liabilities: $100,000

$150,000.00

Scenario comparison

Total liabilitiesResult
$50,000.00$200,000.00
$100,000.00$150,000.00
$150,000.00$100,000.00

The example keeps total assets constant and changes the amount owed. An increase in the market value of an asset is not cash available to spend.

Frequently asked questions

Should I include my home and mortgage?

If you include the home at an estimated market value among assets, include the unpaid mortgage principal among liabilities. Avoid subtracting the mortgage twice.

Why can my net worth rise without receiving more salary?

Debt repayment reduces liabilities, and asset values can change. Neither necessarily means your monthly cash flow has improved.

NEXT STEP

Continue the financial workflow

These tools cover calculations that often come before or after this step.

SavingsEmergency fund calculatorDebtDebt payoff timeCredit CardsCredit card interest costMortgagesMortgage payment
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