Assets
$50,000
Net Worth Calculator
Add up what you own, subtract what you owe. See where you actually stand.
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Assets
Liabilities
Your net worth
$40,000
You own $50,000 and owe $10,000.
Liabilities
$10,000
Net worth
$40,000
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How this is calculated
We add up everything you own and everything you owe, then take the difference.
net worth = total assets - total liabilities. Assets add to your net worth and liabilities pull it back down, so the number moves as you pay off debt or grow what you hold.Net worth grows fastest when your money is working, not sitting.
Grow it faster with OpenTradeEstimate based on your inputs. Not financial advice. Past performance does not guarantee future results.
How to calculate net worth
Net worth is the simplest honest read on your finances: everything you own minus everything you owe. It cuts through income and spending to show what you have actually built.
- Add up your total assets: cash and savings, investments, property, and anything else you own that has value.
- Add up your total liabilities: your mortgage, loans, credit card balances, and any other debt you owe.
- Subtract total liabilities from total assets. The result is your net worth.
What should you include?
Count assets you could realistically value or sell: bank balances, brokerage and retirement accounts, a home, and other property. Count liabilities as the full balance you still owe on each debt. A negative result is common early on when loans outweigh what you have saved, and it is not a failure, just a starting point.
How to grow your net worth
Two levers move the number: shrink what you owe and grow what you own. Paying down high-interest debt lifts net worth directly, and putting idle cash to work instead of leaving it flat lets your assets compound over time. Small consistent moves on both sides add up faster than most people expect.