Net Worth Calculator 2026

Calculate your net worth by totaling your assets and subtracting your liabilities. Track your financial progress over time.

Net Worth Calculator

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Your Results

Instant calculation

Your Net Worth

$110,000.00

Positive net worth!

Total Assets

$330,000.00

Total Liabilities

$220,000.00

Asset-to-Debt Ratio

$1.50

Debt-to-Asset Ratio

$66.67

How Calculated

Cash & Investments$60,000.00
Property & Vehicles$265,000.00
Other Assets$5,000.00
Housing Debt$180,000.00
Consumer Debt$15,000.00
Student Debt$25,000.00
Tips
  • • Track your net worth quarterly to measure financial progress
  • • Focus on the trend over time rather than the absolute number

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How to Calculate Your Net Worth

Your net worth is the single most important number for measuring your overall financial health. It represents everything you own (assets) minus everything you owe (liabilities). Understanding and tracking your net worth helps you measure progress toward financial goals.

What Counts as Assets?

  • Cash and bank accounts: Checking, savings, money market, CDs
  • Investment accounts: 401(k), IRA, brokerage accounts, stocks, bonds
  • Real estate: Primary residence, rental properties, land
  • Vehicles: Cars, boats, motorcycles
  • Business interests: Ownership stakes in businesses

What Counts as Liabilities?

  • Mortgages: Remaining balance on all property loans
  • Student loans: Total outstanding balance
  • Car loans: Remaining auto loan balances
  • Credit card debt: Total balances owed
  • Personal loans: Any other outstanding loans

Frequently Asked Questions About Net Worth

A common rule of thumb is that your net worth should equal your annual income times your age divided by 10. For example, at age 40 earning $80,000, target net worth would be $320,000.
Yes, include your home's current market value as an asset and your mortgage balance as a liability. However, when planning for retirement, some people exclude their primary residence since they need a place to live.
Negative net worth is common for young adults with student loans or new mortgages. It means you owe more than you own. Focus on paying down high-interest debt and building assets.
Calculate quarterly or at minimum annually. More frequent tracking can cause unnecessary stress from market fluctuations.