Net Worth Calculator

Your net worth is a snapshot of your financial health at a specific point in time. It's calculated by subtracting your total liabilities (what you owe) from your total assets (what you own). Tracking your net worth over time provides valuable insights into your financial progress and helps you make informed decisions about saving, investing, and debt management.

For high net worth individuals and business owners, understanding your complete financial picture is essential for effective wealth management, tax planning, and retirement preparation. This calculator helps you organize your financial information and calculate your current net worth.

Calculate Your Net Worth

Assets (What You Own)

Cash & Cash Equivalents

Investments

Real Estate

Personal Property

Liabilities (What You Owe)

Mortgages

Loans

Other Liabilities

How to Use This Calculator

  1. Enter Your Assets: Input the current value of everything you own, including cash, investments, property, and personal items.
  2. Enter Your Liabilities: Input all your debts, including mortgages, loans, and credit card balances.
  3. Calculate: Click the "Calculate Net Worth" button to see your total assets, total liabilities, and net worth.
  4. Track Over Time: Recalculate your net worth periodically (quarterly or annually) to track your financial progress.

Understanding Your Net Worth

Your net worth is more than just a number—it's a comprehensive measure of your financial health. Here's how to interpret and use your net worth calculation:

  • Positive Net Worth: If your assets exceed your liabilities, you have a positive net worth. This indicates financial stability, though the ideal amount varies based on age and goals.
  • Negative Net Worth: If your liabilities exceed your assets, you have a negative net worth. This is common for young professionals with student loans or new business owners with startup debt.
  • Trend Analysis: The change in your net worth over time is more important than the absolute number. A consistently increasing net worth indicates you're building wealth.
  • Asset Allocation: Analyze the composition of your assets. A healthy portfolio typically includes a mix of liquid assets, investments, and real estate.
  • Debt-to-Asset Ratio: Divide your total liabilities by your total assets. A lower ratio indicates better financial health.
Oprah Winfrey Image from Wikimedia Commons, CC BY 2.0

"The reason I've been able to be so financially successful is my focus has never, ever for one minute been money."

Oprah Winfrey

Born into poverty in rural Mississippi, Oprah built a $2.5 billion net worth by focusing on value creation rather than wealth accumulation. She attributes her financial success to investing in herself first—developing skills and building businesses aligned with her values—before focusing on traditional asset accumulation. This approach allowed her to build multiple income streams that eventually translated into substantial net worth.