Free Net Worth Calculator: calculate net worth instantly with transparent formula, worked examples and tips. No signup.
Net Worth = Total Assets − Total Liabilities
Assets: cash and savings + investments (brokerage, retirement accounts) + property equity (market value − outstanding mortgage) + vehicles (current market value) + other valuable assets.
Liabilities: mortgage outstanding balance + personal loans + car finance + credit card balances + student loan + any other debts.
Worked example: Property market value 350,000 − mortgage outstanding 220,000 = 130,000 equity. Savings 25,000. Retirement account 45,000. Car value 8,000. Total assets = 208,000. Car finance 6,000. Credit card 2,000. Total liabilities = 8,000. Net worth = 208,000 − 8,000 = 200,000.