Net worth is total assets minus total liabilities. A positive result means the listed assets exceed the listed debts; a negative result means the listed debts exceed the assets.

Should I include my home as an asset?

Yes. Enter the current market value of your home as a real estate asset, and your outstanding mortgage balance as a liability. The difference represents your home equity.

Do retirement accounts count as assets?

Yes. Include the current market value of 401(k), IRA, and other retirement accounts in the Investments row. Note that withdrawals before age 59½ may incur taxes and penalties.

What is a good net worth?

There is no universal good-net-worth number. Age, household size, location, pension rights and which assets are included all affect comparisons. A consistent personal snapshot is more useful for tracking change over time.

Is my data sent to any server?

No. All calculations happen entirely in your browser. Nothing you enter is transmitted or stored anywhere outside your device.

How often should I calculate my net worth?

An annual update provides a consistent long-term record. You can update more often after a major asset, debt or household change, but use the same valuation method each time.

Is this the same as a legal net-worth test?

Not necessarily. Loan, tax and securities rules may include or exclude specific assets and debts. For example, some regulatory tests treat a primary residence differently. Use the definition required by the relevant form or authority.

Personal & Family Net Worth Calculator

Enter your assets and liabilities to instantly calculate your total net worth and see a breakdown by category.

Net worth = total assets − total liabilities

Choose one scope and use it consistently. For a household snapshot, include assets and debts for every person in that household scope without double-counting joint accounts.

Snapshot scope Snapshot date

Assets

Cash & Bank Accounts

Investments & Retirement

Real Estate (market value)

Vehicles

Other Assets

Total Assets $0

Liabilities

Mortgage Balance

Car Loans

Credit Card Debt

Student Loans

Other Debts

Total Liabilities $0

Your Net Worth

Total Net Worth

Enter values to get started

Total Assets $0.00

Home equity (property − mortgage) $0.00

Total Liabilities $0.00

Net Worth $0.00

Debt-to-asset ratio —

Liabilities ÷ assets; descriptive only, not a credit or underwriting score.

Summary

Enter your assets and liabilities to instantly calculate your total net worth and see a breakdown by category.

How it works

Enter values for each asset category: cash, investments, real estate, vehicles, and other assets.
Enter values for each liability category: mortgage, car loans, credit card debt, student loans, and other debts.
Your net worth updates in real time as you type.
Read the summary panel to see total assets, total liabilities, and net worth.
A positive net worth means assets exceed debts; a negative value means you owe more than you own.

Use cases

Creating a personal or household balance-sheet snapshot.
Tracking net worth growth over time by saving a snapshot.
Preparing financial documents for loan applications or mortgage pre-approval.
Setting and measuring progress toward financial independence goals.
Keeping the same asset and liability scope for year-to-year comparisons.
Understanding how paying down debt or growing investments moves your number.

Frequently Asked Questions

Last updated: 2026-09-23 · Reviewed by Nham Vu