Net worth is the clearest snapshot of financial health: everything you own minus everything you owe.
How the Net Worth Calculator works
Net worth = total assets − total liabilities. It's the clearest single snapshot of financial health.
Example calculation
$250,000 in assets minus $90,000 in liabilities is a net worth of $160,000.
Tips for using the Net Worth Calculator
- Track the trend over time, not one snapshot.
- Include retirement accounts and home equity as assets.
- Negative net worth is common early — focus on direction.
Net Worth Calculator — frequently asked questions
- What counts as assets?
- Cash, investments, retirement accounts, home equity and vehicle value.
- Negative net worth?
- Common early on (e.g. student loans). Track the trend over time rather than one number.
- What counts as an asset?
- Cash, investments, retirement accounts, home equity and vehicle value.
- How often should I check?
- Quarterly or yearly is enough to see the trend.
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