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Net Worth Calculator

Add up what you own, subtract what you owe, and see your net worth update as you type.

Nothing you enter here leaves your browser. Net worth is the single clearest measure of financial progress, because it captures saving, investing and debt payoff in one number.

What you own

Physical cash and wallets

Current, savings, emergency fund

Stocks, mutual funds, ETFs, gold, crypto

Pension, PF, 401(k), IRA

Realistic market value of what you own

Resale value, not purchase price

Valuables, business equity, receivables

Total assets: $0.00

What you owe

Outstanding balance

Outstanding balance

Outstanding balance

Outstanding balance

Total unpaid across all cards

Family loans, BNPL, anything else owed

Total liabilities: $0.00

Your net worth

$0.00

Enter your assets and liabilities to see your net worth.

Track this automatically

Create a free Finwise account and your net worth updates from your accounts, investments and liabilities.

What is net worth?

Net worth is assets minus liabilities — the money that would be left if you sold everything you own and cleared everything you owe. Income tells you what flows in each month; net worth tells you what you have actually kept. That makes it the best single metric for long-term progress, because it moves only when you save, invest, or reduce debt.

How to calculate your net worth

  1. 1. List your assets. Bank and cash balances, investments, retirement accounts, property, vehicles and anything else of real resale value.
  2. 2. Use honest values. Market value for property, resale value for vehicles — not what you paid.
  3. 3. List your liabilities. Outstanding balances on mortgages and loans, plus unpaid credit card and other debt.
  4. 4. Subtract. Assets minus liabilities is your net worth, positive or negative.
  5. 5. Repeat monthly. One reading is a snapshot; a series is a trend you can act on.

Assets vs liabilities

Assets (add)Liabilities (subtract)
Cash, current and savings accountsHome loan or mortgage balance
Stocks, mutual funds, ETFs, goldVehicle loan balance
Retirement and pension accountsEducation loan balance
Property at market valuePersonal loans and family loans
Vehicles at resale valueUnpaid credit card balances

Example: a homeowner with a mortgage

Example only, calculated with the same logic as the tool above. Someone holds $320,000.00 in cash and savings, $900,000.00 invested, $600,000.00 in retirement accounts, a $5,000,000.00 home and a $400,000.00 car — against a $3,200,000.00 mortgage, a $250,000.00 car loan, $150,000.00 of education debt and $40,000.00 on cards.

Total assets
$7,220,000.00
Total liabilities
$3,640,000.00
Net worth
$3,580,000.00
Debt as a share of assets
50.4%

Net worth calculator FAQ

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Finwise keeps your accounts, investments, credit cards and loans in one place, so net worth is recalculated for you instead of re-entered every month.

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