Net Worth Calculator
Net worth is the single number that captures everything you own minus everything you owe. Slide in your cash, investments, property, and debts to see where you stand right now. Revisit it over time, because the direction it moves matters more than any one reading.
Net worth $335,000 — $600,000 in assets minus $265,000 in debts. Track this quarterly — the trend matters more than the number.
Worked examples
Real results from this calculator, computed for a few common scenarios. Move the sliders above to run your own numbers.
| Cash & savings = $200,000 | Net worth $515,000 — $780,000 in assets minus $265,000 in debts. Track this quarterly — the trend matters more than the number. |
| Cash & savings = $500,000 | Net worth $815,000 — $1,080,000 in assets minus $265,000 in debts. Track this quarterly — the trend matters more than the number. |
| Cash & savings = $800,000 | Net worth $1,115,000 — $1,380,000 in assets minus $265,000 in debts. Track this quarterly — the trend matters more than the number. |
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How this math works
Net worth is simply your total assets minus your total liabilities. We add up cash, investments, property, and other assets, then subtract your mortgage balance and other debts to land on a single figure that reflects your real financial position.
Any single reading matters far less than the trend across months and years. A negative net worth is common early on, especially with student loans or a new mortgage, and steady progress upward is the goal rather than a perfect starting point.
Common questions
What counts as an asset?
Anything of value you own, such as cash, investment accounts, your home, vehicles, and other valuables. We group these into cash, investments, property, and other assets for a quick total.
Is a negative net worth bad?
Not necessarily. It is common early in life when debts like student loans or a fresh mortgage outweigh savings. What matters is whether the number is improving over time.
How often should I check it?
Once a quarter or a few times a year is plenty for most people. Checking too often invites noise from market swings, while a steady cadence shows the real trend.
Put this calculator on your website
Bloggers, teachers, credit unions, HR teams: embed the live Net Worth Calculator free. Copy the snippet below — the tool keeps working and stays up to date automatically, no maintenance on your side.
The Flourish Letter
One useful money idea every Friday, with the interactive chart so you can check the math. Free. Welcome path: free printable toolkit (calendar, debt sheet, raise script, and more).