Net Worth Calculator
Everything you own, at sellable value, minus everything you owe — including the awkward debts. One honest number, and the debt share of your assets beside it.
Everything owned, everything owed, one subtraction
Net worth is the balance sheet of a person: assets at what they would actually fetch, minus every debt including the small embarrassing ones. It is the only single number that cannot be flattered by income — high earners can have negative net worth and modest earners strongly positive ones.
Net worth = total assets − total liabilities
Example: home $320,000, savings $15,000, investments $60,000 — assets $395,000. Mortgage $240,000, loans $12,000, cards $3,000 — debts $255,000. Net worth: $140,000, with debt at 65% of assets. Two years of repeating this exact exercise will tell you more than any single reading.
Valuation discipline
Value the house at a sober sellable estimate (minus selling costs, if you want the severe version), the car at its trade value, and count the credit card you 'pay off monthly' at its statement balance anyway. The direction of the series — measured the same way each time — matters more than perfection in any one reading.
How this is calculated
Addition and subtraction of the entered fields, with the debt share of assets shown for context. Nothing is fetched, estimated or interpolated — the calculator is a disciplined form. What to include is a convention question (some exclude cars and household goods as depreciating clutter); pick a convention and keep it across years.
Frequently asked questions
Should I include my home and mortgage?
Yes, both — excluding the house but keeping the mortgage (or vice versa) manufactures nonsense. Home equity is most households' largest net-worth component, which is why house prices move the national figures so much.
Do retirement accounts count at full value?
They are assets at their balance; the severe version discounts traditional (pre-tax) accounts by the future tax, as the traditional IRA page does for its balance. Consistency across your own years matters more than the choice.
What about future income or a pension's value?
Standard net worth excludes capitalized future earnings. A pension can be valued as an annuity for a personal 'economic net worth', but mixing the two definitions breaks year-to-year comparisons.
How often should I compute it?
Yearly is plenty for most households; quarterly if you are executing a deliberate turnaround. More often and you are watching house-price noise; less and drift wins.
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