Net Worth Calculator
Your financial position in one number: everything you own minus everything you owe. See it at a glance, split by category.
With $100,000 in assets — $10,000 cash, $50,000 in stocks and ETFs, and $40,000 in retirement accounts — and $0 in liabilities, your net worth is $100,000. Net worth is simply everything you own minus everything you owe: a useful balance-sheet snapshot of your financial position. Enter your own assets and debts below to see your total, how it’s built, and whether you’re building or using wealth.
Your assets
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Your liabilities
Enter your assets and liabilities to see your net worth.
How net worth is calculated
Net worth = Total assets − Total liabilities.
Add up everything you own (cash, investments, retirement accounts, property, other assets), then subtract everything you owe (mortgage, credit cards, loans, other debt). The result is your net worth — the clearest single snapshot of your financial position.
You improve net worth two ways: grow assets (save, invest, increase income) or reduce liabilities (pay down debt). Reviewing it once or twice a year is one of the most useful financial habits.
Net worth, explained
Net worth can be positive or negative. A young person with student loans and little savings often has a negative net worth — that’s normal, not a judgment. What matters is the trend: a rising net worth means you’re building wealth over time.
To turn today’s snapshot into a plan, pair this with our Retirement calculator or Savings Goal calculator to set a target and see the monthly amount needed.
Frequently asked questions
What is net worth?
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Source & scope
The Federal Reserve Survey of Consumer Finances defines net worth as the difference between families' assets and liabilities. Caspenda uses the same accounting identity, but your result depends on which assets and debts you include and the values you assign to them. Home, vehicle and private-asset values are estimates until sold.
Source: Federal Reserve — 2022 Survey of Consumer Finances. Educational tool only.
Continue your plan
Use these related resources to put this result in context: how to calculate net worth · financial planning hub · retirement calculator.