Net Worth Calculator: Assets Minus Debts
Add cash, investments and property, then subtract outstanding debts. See positive or negative net worth without confusing asset value with available cash.
Your inputs
Your result
Enter your values, then choose Calculate.
Estimate based on your inputs. Fees, taxes and market changes are included only where explicitly entered.
Calculation breakdown
Method, assumptions and worked example
Net worth = total current asset values − total outstanding liabilities. Enter balances on the same date. For assets, use realistic resale or market value rather than original purchase price. For debt, use the outstanding amount rather than the monthly payment.
Worked example
The example has assets of 240,000 and debts of 162,000, giving net worth of 78,000. A home worth 200,000 with a 150,000 mortgage contributes 50,000 of equity; enter the full home value and full mortgage once each.
A useful monthly record
Save a snapshot using Print / save PDF, then repeat with new balances. Separate changes caused by saving or repaying debt from changes in investment and property values. Consistent valuation is more useful than an overly precise property estimate.
Negative net worth is a valid result. Net worth is not spending money: retirement restrictions, selling costs and taxes can limit access to assets. The cash-and-investments subtotal is not an emergency-fund assessment. Do not include speculative future wages or double-count jointly owned property.
Frequently asked questions
Should I enter my mortgage payment or balance?
Enter the remaining balance. Payments are cash-flow items; net worth compares asset and debt balances.
Can net worth be negative?
Yes. It is negative when liabilities exceed assets.
Sources and review
Formula and content reviewed on 9 October 2026. Examples are hypothetical. Tax years and model limits are stated above; this page does not receive live rates.