Net worth calculator
Net worth is simply everything you own minus everything you owe. Fill in what applies to you — leave anything that doesn't apply at $0.
Total assets
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Total liabilities
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Net worth
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Last updated: September 2026 · Verified by Hugo Cardozo.
Why net worth matters more than income
Income measures cash flow; net worth measures what you've actually built. A high earner who spends everything can have a lower net worth than a modest earner who's saved consistently — net worth is the number that tracks real financial progress over time, not just this month's paycheck.
Assets: use realistic values
Use current market value for a home or vehicle, not the purchase price — a car worth $12,000 today counts as $12,000, even if you paid $30,000 for it new. For real estate, a conservative estimate (not the most optimistic guess) gives a more honest picture.
A negative net worth is common, and temporary
Fresh graduates with student loans, or anyone early in a mortgage, often show negative or near-zero net worth — that's completely normal and says nothing about your trajectory. What matters is tracking the number every few months and watching it move in the right direction.
Frequently asked questions
Should I include my primary home?
Most net worth calculations include it at current market value, with the remaining mortgage as a liability. Some people track "net worth excluding primary home" separately since a home isn't as liquid as investments.
How often should I recalculate this?
Quarterly or twice a year is common — monthly can create noise from normal market swings in investment accounts that doesn't reflect real progress.
Does this include future income like Social Security?
No — net worth is a snapshot of current assets and debts only, not projected future income streams.
📘 Related guide
Read the full guide: "Why Net Worth Is the Number That Actually Matters".
Why Net Worth Matters