Net Worth Calculator
Calculate your net worth from assets and liabilities.
Result
Results are estimates for general information only and are not professional advice.
What net worth actually tells you
Net worth is everything you own minus everything you owe. Unlike income, it captures the cumulative result of every financial decision you have made, which is why it is the single most honest measure of financial position. A high salary paired with high debt can produce a net worth near zero, and the number is indifferent to how impressive the income looks.
The formula behind it
It is simply total assets − total liabilities. Assets include cash, savings, investments, pensions, property at current market value, vehicles and anything else with genuine resale value. Liabilities include mortgages, loans, card balances, overdrafts and tax owed. Someone with a 400,000 property, 60,000 in investments and a 280,000 mortgage plus 15,000 of other debt has a net worth of 165,000.
How to use this calculator
Total up your assets and your liabilities and enter both figures. The result shows your net worth today. Value property at what it would realistically sell for rather than what you paid, and exclude possessions you would never actually sell — inflating the asset side only misleads you.
Tracking it over time
A single reading means little; the trend is everything. Recording it once a quarter shows whether you are genuinely building wealth or merely earning and spending in parallel. A negative net worth is common early in adult life, particularly with student debt, and is not a failure — the direction of travel matters far more than the level. Expect it to move in steps rather than smoothly, since property and investment values change unevenly.
Frequently Asked Questions
What is the Net Worth Calculator?
Calculate your net worth from assets and liabilities. It runs instantly in your browser and is completely free to use.
What do I need to enter to use the Net Worth Calculator?
The Net Worth Calculator asks for the following values (2): Total assets, Total liabilities. Fill them in and the result appears immediately — the calculation runs on your own device, so nothing you type is sent to a server.
How accurate is the Net Worth Calculator?
The Net Worth Calculator uses standard, widely-accepted formulas, so its figures are reliable estimates for everyday planning. They are not a substitute for advice from a qualified professional.
Is the Net Worth Calculator free, and do I need an account?
Yes. The Net Worth Calculator — and every other calculator on Calculatis — is completely free, with no registration, no download and no limit on how often you use it.