A house, a bank balance and an investment account tell three different stories. Add up what you own, subtract what you still owe, and see the one number that brings them together — plus what's driving it.
Your figures stay in your browser. No account, no upload and no bank connection.
Figures are estimates based on the values you enter; nothing is automatically valued or connected.
Net worth is a balance sheet, not a bank balance. Some of it might be tied up in your home, retirement accounts or other assets.
Hover, tap or focus a segment for its value.
Hover, tap or focus a segment for its value.
| Category | Amount | Share of total |
|---|
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This uses the vehicle value and vehicle loan entered above. It is not a dealer offer or a promise about resale.
This is a descriptive balance-sheet ratio, not an affordability measure, mortgage eligibility test, debt-to-income ratio, risk rating or benchmark. It is not colour-coded as pass or fail.
This comparison is derived from your entries. It never rewrites the assets or debts above.
Two balances shrink. Your net worth stays put — for now. Paying less future interest could still make a difference later.
A hypothetical change in the home's estimated value only. The mortgage stays the same, and this is not a price forecast or a current appraisal.
Add a home value above to explore this comparison.
| Asset / debt | Category | Amount |
|---|
No future salary, inheritance or unused credit is counted. Net worth is usually a before-liquidation-cost snapshot and does not include hypothetical selling fees or future taxes.
You can own a home, have money invested, and still feel like your bank account is permanently waiting for payday. Or you can have a modest balance in savings and very little debt. Looking at one number on its own doesn't show the whole picture.
Net worth brings the pieces together. It counts the estimated value of what you own, takes away what you owe, and leaves a snapshot of your financial position today. That snapshot can be positive, negative or exactly zero — and none of those answers tells your entire story.
The useful part is seeing what's behind the total. Is most of your money tied up in a home? How much of the value of your car is actually yours once the loan is included? Would a change in property prices move your net worth more than a year of saving?
Use this page to make those questions visible. Update your amounts when they change, compare your own snapshots over time, and remember that net worth is not the same thing as cash in the bank, monthly income or the money you could immediately spend.
These are illustrations based on the stated hypothetical assumptions, not claims about typical wealth or predictions about any market.
Spend US$4,000 of your savings paying off US$4,000 of credit-card debt. Your savings fall by US$4,000. Your debt falls by US$4,000. Your net worth? Exactly the same. The reward isn't an instant jump in this number — it's having less debt to carry, and potentially less interest to pay next month.
Imagine borrowing US$20,000 and buying a car that's worth US$20,000. You added US$20,000 of assets and US$20,000 of debt: net change, zero. If its market value later drops to US$17,000 while the loan still says US$20,000, your net worth is US$3,000 lower than where you started. Cars are wonderful at getting you places; they're less reliable at staying the same price.
Illustrative example assuming no deposit, fees, taxes or loan repayments.
A US$300,000 home with a US$250,000 mortgage adds US$50,000 of estimated equity to net worth. It does not automatically add US$50,000 of cash to your account. The house doesn't come with a button to withdraw a bedroom.
Shift US$1,000 from your checking account to savings. One account rises; the other falls. Total assets — and net worth — stay exactly the same. Two notifications, one unchanged financial picture.
In this page's US$300,000-home example, a 10% change in the home's estimated value is US$30,000. That's the equivalent of setting aside US$500 a month for five years, before any interest or investment growth. A big asset can move your net worth even when your day-to-day spending barely changes.
The calculation is a subtraction, but getting the right inputs matters more than making it complicated. Add the current values of assets you actually own. Add the balances of debts you actually owe. Subtract the second total from the first.
Net worth = Total assets − Total liabilities
Assets include cash, savings, eligible investments, retirement accounts, owned property, vehicles, and other assets with defensible values. Liabilities include outstanding mortgages, loans, credit cards, drawn lines of credit and other real debts.
Use current reasonable estimates and current debt balances, not purchase prices or the original amounts borrowed. Do not subtract loan balances from asset values and enter the same loan under debt: that double-counts it.
| Asset | US$ |
|---|---|
| Checking | 10,000 |
| Savings | 15,000 |
| Stocks/investments | 45,000 |
| Retirement accounts | 65,000 |
| Home | 300,000 |
| Car | 16,000 |
| Total assets | 451,000 |
| Debt | US$ |
|---|---|
| Mortgage | 230,000 |
| Car loan | 9,000 |
| Credit card | 4,000 |
| Student loan | 6,000 |
| Total liabilities | 249,000 |
US$451,000 − US$249,000 = US$202,000 net worth
Home equity = Home market value − Outstanding mortgage secured on that home
US$300,000 − US$230,000 = US$70,000
Vehicle equity = Vehicle resale value − Outstanding vehicle loan
US$16,000 − US$9,000 = US$7,000
Equity is a subcomponent of net worth: do not add home equity on top of home assets and mortgage already counted. This would double-count it.
Debt-to-asset ratio = (Total liabilities ÷ Total assets) × 100
(US$249,000 ÷ US$451,000) × 100 = 55.2% (display rounding)
This is not debt-to-income, a credit score, an affordability test or a universal target. When total assets are zero, the ratio is shown as not applicable rather than as infinity.
Net worth is not take-home salary, monthly cash flow, liquid savings, accessible capital, spendable cash, a forecast, investment return or creditworthiness. It excludes unspecified transaction fees, eventual capital-gains taxes, early-withdrawal penalties and selling costs. A person can have high net worth but little available cash, or negative net worth while meeting all current expenses.
Update the numbers when they actually change. This is most useful as a consistent snapshot, not a competition with strangers.
This calculator is ordinary personal net worth. Certain US regulatory eligibility tests, such as specific SEC accredited-investor net-worth tests, can exclude a primary residence and apply specialised mortgage rules. Those exceptions are not applied here, and this general balance sheet does not establish anyone's investor eligibility.
These sources support definitions and cautions; they do not endorse this calculator or replace personal financial, tax and legal advice. No live prices, valuations or exchange rates are fetched.
Net worth is the estimated value of what you own minus what you owe. Add up your assets — such as savings, investments and property — then subtract debt balances. The result can be positive, zero or negative.
Yes. In a general net-worth calculation, include the current estimated value of the home as an asset and the outstanding mortgage as a liability. The difference is your estimated equity. Don't enter only the equity and also subtract the mortgage, because that counts the debt twice.
No. Your bank balance is one asset. Net worth may also include investments, property and retirement accounts, minus all your debts. Having positive net worth doesn't mean that amount is available to spend today.
You can include a car that you own at a reasonable current resale value. If there's a car loan, enter its outstanding balance separately. Using what you originally paid for the car may overstate its value today.
Usually, yes, for a general estimate of personal net worth: they are still assets you own. But withdrawal rules, taxes and penalties can limit the amount you could access or keep, so the balance is not the same thing as cash you can spend immediately.
Paying debt using cash you already hold reduces your assets and liabilities by the same amount, so net worth initially stays unchanged. Lower future interest charges or new money earned and saved can improve your position later. The debt-payment scenario shows this distinction.
A negative net worth simply means the debts you've entered exceed the estimated value of the assets you've entered. This can happen with student borrowing, mortgages or other debts and doesn't explain your income, repayment ability or future prospects on its own.
Neither, unless you have used the credit. An unused US$10,000 limit isn't US$10,000 you own, and it isn't US$10,000 you owe. Enter only the balance actually outstanding.
Updating it periodically — for example every few months or once a year — can be useful when you use consistent estimates and the same categories. Frequent changes in investments or property values can make the number move even when your saving habits haven't changed.
Yes. Select the currency you use and enter all values in that currency. The maths is the same worldwide. Currency selection changes formatting, not exchange rates, and the page does not apply any country's tax, pension or loan rules automatically.
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