Calculate Your Net Worth: Free Online Tool for Financial Health

Type your assets and debts, press “Calculate,” and the tool shows your net worth—assets minus liabilities. The median U.S. household net worth is $192,900 (Federal Reserve, 2022).

Net Worth Calculator

Enter the total value of your assets

Enter your total liabilities

Enter the total amount of your loans

Enter the total amount of your mortgages

★ Add to Home Screen

Is this tool helpful?

Thanks for your feedback!

How to use the tool

  • 1 Assets – add everything you own with value. Example A: 250 000 USD; Example B: 75 000 USD.
  • 2 Liabilities – credit-card balances or unpaid bills. Example A: 5 000 USD; Example B: 8 000 USD.
  • 3 Loans – personal, auto, or student loans. Example A: 12 000 USD; Example B: 7 000 USD.
  • 4 Mortgages – remaining home-loan balance. Example A: 180 000 USD; Example B: 0 USD.
  • 5 Click “Calculate” – results and a doughnut chart appear instantly.

Formula

$$\text{Net Worth}= \text{Assets} – (\text{Liabilities} + \text{Loans} + \text{Mortgages})$$

Example calculation A

  • Assets = 250 000
  • Total liabilities = 5 000 + 12 000 + 180 000 = 197 000
  • Net worth = 250 000 – 197 000 = 53 000 USD ✅

Example calculation B

  • Assets = 75 000
  • Total liabilities = 8 000 + 7 000 + 0 = 15 000
  • Net worth = 75 000 – 15 000 = 60 000 USD ✅

Quick-Facts

  • Median U.S. net worth, all households: 192 900 USD (Federal Reserve SCF 2022).
  • Healthy debt-to-asset ratio ≤ 50 % (Investopedia, investopedia.com/debt-ratio).
  • Emergency fund target: 3–6 months expenses (CFPB, consumerfinance.gov).
  • Home equity forms 28 % of household assets (NAHB, 2023 Housing Data, nahb.org).

FAQ

What does the calculator measure?

Your net worth—the value of assets after subtracting all debts.

Why track net worth regularly?

Regular tracking shows progress toward goals and flags rising debt early (CFPB, 2021).

Are retirement accounts assets?

Yes. Include 401(k), IRA, and pensions at current market value (IRS Publication 560).

Should I list leased cars?

No. Leases are service agreements, not owned assets (Edmunds Guide, edmunds.com).

How often should I recalculate?

Quarterly reviews balance effort and insight, matching financial-planning best practice (Fidelity, 2022).

What if net worth is negative?

Negative values signal excess debt; focus on repayment before new investments (FINRA, 2021).

Does the calculator store data?

All numbers stay in your browser; nothing is transmitted to a server.

Can I include cryptocurrency?

Yes. Add crypto at current exchange value, noting its high volatility (CoinDesk Price Index).

Important Disclaimer

The calculations, results, and content provided by our tools are not guaranteed to be accurate, complete, or reliable. Users are responsible for verifying and interpreting the results. Our content and tools may contain errors, biases, or inconsistencies. We reserve the right to save inputs and outputs from our tools for the purposes of error debugging, bias identification, and performance improvement. External companies providing AI models used in our tools may also save and process data in accordance with their own policies. By using our tools, you consent to this data collection and processing. We reserve the right to limit the usage of our tools based on current usability factors. By using our tools, you acknowledge that you have read, understood, and agreed to this disclaimer. You accept the inherent risks and limitations associated with the use of our tools and services.

Create Your Own Web Tool for Free

Discover the power of knowing your net worth with our comprehensive infographic guide to financial health assessment.

Related Tools: