Net Worth Calculator
A net worth calculator totals everything you own (assets) and subtracts everything you owe (liabilities) to give one number: your net worth. Toolverge groups common categories — cash, investments, retirement accounts, real estate, and vehicles against mortgage, loans, and credit cards — so you don’t have to add them up by hand.
Educational estimate only. Results are not medical, legal, or financial advice. Confirm important decisions with a qualified professional.
How it works
- Enter each asset category (cash, investments, retirement, real estate, vehicles, other).
- Enter each liability category (mortgage, loans, credit cards, other).
- Read total assets, total liabilities, and net worth on the tape.
Formula Net worth = Total assets − Total liabilities
Frequently asked questions
What counts as an asset?
Anything you own with monetary value: cash, bank balances, investment and retirement accounts, real estate equity, vehicles, and other valuables.
What counts as a liability?
Anything you owe: mortgage balance, auto or personal loans, credit card balances, and other debts.
Can net worth be negative?
Yes — if liabilities exceed assets, the result is negative. This is common early in life (e.g. right after taking a mortgage or student loans).
Should I use current market value or purchase price for real estate?
Current market value — net worth reflects what you could realistically get if you sold today, not what you originally paid.
Is my financial data stored anywhere?
No. All math runs in your browser; nothing is sent to a server.