Personal balance sheet tool
Net Worth Calculator
Calculate your net worth by adding everything you own and subtracting everything you owe. Use this assets and liabilities calculator to track stocks, bonds, real estate, savings, retirement accounts, mortgages, loans, credit card debt, and your complete financial position.
Net worth visualization
Assets compared with liabilities
See how everything you own compares with everything you owe in one simple balance sheet view.
Net worth check
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Your net worth is your total assets minus your total liabilities. A positive number means assets are currently higher than debts, while a negative number means liabilities are currently higher than assets.
Net worth calculator for assets and liabilities
A net worth calculator helps you understand your full financial picture by comparing assets and liabilities. Assets include cash, savings, stocks, bonds, retirement accounts, real estate, vehicles, business assets, and anything else you own. Liabilities include mortgages, student loans, car loans, lines of credit, credit card debt, margin loans, and other debt.
How to calculate net worth
Net worth is calculated with a simple formula: total assets minus total liabilities. Add the current value of your assets, add the balances of your debts, then subtract debts from assets. The result gives you a snapshot of your financial health today.
Why tracking net worth matters
Tracking net worth can help you see whether your money decisions are building wealth over time. A monthly or quarterly net worth check makes it easier to notice progress from saving, investing, paying down debt, or increasing the value of assets like real estate and retirement accounts.
What counts as an asset?
Assets are things you own that have value. Common net worth assets include bank accounts, chequing accounts, savings accounts, stocks, ETFs, bonds, RRSPs, 401k accounts, real estate, business ownership, vehicles, and other personal property that could reasonably be sold or converted to cash.
What counts as a liability?
Liabilities are debts or financial obligations you owe. Common examples include mortgage balances, student loans, car loans, credit card debt, lines of credit, margin loans, personal loans, and any other outstanding debt. Reducing liabilities can improve your net worth even if your assets stay the same.
Estimate only
This free net worth calculator is for planning and education. Actual asset values, real estate prices, investment balances, loan balances, taxes, fees, and selling costs can change. Use this estimate as a starting point and update it regularly with current account balances.