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💎 Net Worth Calculator
Calculate your total net worth by listing your assets and liabilities. Net worth is the foundation of personal financial health — add your rows and watch the totals update in real time.
Assets
Description
Value ($)
Liabilities
Description
Amount ($)
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Total Assets
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Total Liabilities
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Net Worth
Assets
Liabilities
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Net Worth Formula
Net Worth = Total Assets − Total Liabilities
A positive net worth means you own more than you owe. A negative net worth means your debts exceed your assets.
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Net Worth Rating Scale
| Net Worth Range | Status | What it means |
|---|---|---|
| Below $0 | Negative | Debts exceed assets — focus on debt reduction |
| $0 – $50K | Getting Started | Early financial journey — build emergency fund |
| $50K – $500K | Building | Solid progress — keep investing consistently |
| $500K – $1M | Comfortable | Approaching financial independence |
| $1M+ | Wealthy | Financial independence within reach or achieved |
How to Calculate Your Net Worth
- List all your assets — cash, investments, property, vehicles, and other valuables — with their current market value.
- List all your liabilities — mortgages, loans, credit cards, and other debts — with the outstanding balance.
- Subtract total liabilities from total assets. The result is your net worth.
- Review and update quarterly or after major financial events.
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