Net worth formula
Net Worth = Total Assets − Total Liabilities. It's the clearest snapshot of your financial health.
Money calculators
Net Worth Calculator
Add up assets and liabilities to see your true net worth.
Complete guide
How to use Net Worth Calculator
Enter your assets (cash, investments, real estate, vehicles, and other property) and your liabilities (mortgage, car loans, credit cards, student loans, and other debts). The calculator totals each side and subtracts to show your net worth.
Tracking net worth over time is the single best measure of financial progress - aim for a positive and growing number.
What counts as an asset
Cash, savings, retirement and investment accounts, home equity, vehicles, and valuable personal property.
Include your home
Enter your home at its current market value; its equity (value minus mortgage) adds to your net worth.
Answers
Net Worth Calculator FAQs
What is net worth?
Net worth = Total Assets − Total Liabilities. It's the best single measure of overall financial health.
What counts as an asset?
Cash, savings, retirement accounts, investments, real estate equity, vehicles, and valuable property.
What is a good net worth?
It varies by age and income. Focus on a positive and growing trend rather than a single target.
Should I include my home?
Yes, at current market value. Home equity (value minus mortgage) contributes to net worth.
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Methodology and examples
Net Worth Calculator - Total Assets Minus Liabilities: formula, example, and use cases
Maintained by FormatNest. Verify assumptions and sources before using results.
Formula or method
Net Worth Calculator - Total Assets Minus Liabilities uses the values entered in its dedicated fields, validates the inputs, and applies the calculation described in the result panel.
Best use cases
Use Net Worth Calculator - Total Assets Minus Liabilities when you need a fast browser-based estimate, comparison, or planning result without creating an account.
Important: Check the assumptions and inputs before relying on this estimate for an important decision.
Editorial note: Review the input definitions, units and assumptions before relying on results. For corrections, contact FormatNest with your inputs and expected result.