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SmartFinanceNerd

Net Worth Calculator

Net worth is assets minus liabilities. Enter amounts you’re comfortable estimating—round numbers are fine for a quick snapshot. This calculator is entirely free to use.

Calculator

Assets

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$
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$

Liabilities

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$
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Summary

Total assets

$532,000

Total liabilities

$321,000

Net worth

$211,000

Frequently asked questions

What counts as an asset?
Cash, investments, retirement accounts, home equity (value minus mortgage), vehicles, and other property you could sell or spend.
Should I include my home value?
Yes for a full picture—include estimated home value as an asset and the mortgage balance as a liability (or net the two as home equity).
How often should I update this?
Many people review monthly or quarterly. Pick a rhythm that helps you track progress without obsessing over noise.