Quick answer
Net worth = total assets − total liabilities. Assets of $250,000, $40,000 and others totalling $305,000, less liabilities of $192,000, give a net worth of $113,000.
Enter your assets and liabilities as comma-separated lists. The calculator returns net worth and both totals.
Related tools: Budget Calculator: Monthly income minus spending, and the share left over. College Cost Calculator: Projected total cost of study with yearly cost inflation. Net to Gross Calculator: Gross pay needed to take home a target net amount at a flat tax rate.
How to use the Net Worth Calculator
- Type assets (list of values), for example 250000, 40000, 15000.
- Type liabilities (list of values), for example 180000, 12000.
- Press Calculate to see the result, and use Reset to start again.
| Input | What to enter | Allowed values |
|---|---|---|
| Assets (list of values) | Text, such as 250000, 40000, 15000 | — |
| Liabilities (list of values) | Text, such as 180000, 12000 | — |
Formula and method
Formula
net worth = Σ assets − Σ liabilities
IEEE-754 double precision; money shown to cents, rates to 4 decimals. Results are estimates, not financial advice.
Enter 0 if you have none in a list.
Worked examples
These examples are verified: each one is an automated test case that the live calculator must reproduce exactly.
Example 1
Inputs: Assets (list of values) = 250000, 40000, 15000; Liabilities (list of values) = 180000, 12000.
| Result | Value |
|---|---|
| Net worth | $113,000.00 |
| Total assets | $305,000.00 |
| Total liabilities | $192,000.00 |
Example 2
Inputs: Assets (list of values) = 5000; Liabilities (list of values) = 9000, 1000.
| Result | Value |
|---|---|
| Net worth | -$5,000.00 |
| Total assets | $5,000.00 |
| Total liabilities | $10,000.00 |
The first line is the headline result (net worth). Below it the net Worth Calculator lists total assets and total liabilities, which describe the same case from other angles. IEEE-754 double precision; money shown to cents, rates to 4 decimals. Results are estimates, not financial advice.
What to include
Assets: savings, investments, retirement accounts, property at market value, vehicles. Liabilities: mortgage, loans, credit cards. Use current values. Net worth can be negative, which is common for younger people with student debt.
Tracking
Calculate it every six to twelve months to follow progress. Home and car values are estimates and can mislead. Compare yourself with your past, not others, as averages differ by age.
What happens with invalid input
These messages are produced by the calculator itself, so you know what to fix.
- Assets (list of values): left empty shows "Enter assets (list of values)." beside that field and no result.
- Liabilities (list of values): entering "x" shows "“x” is not a number." beside that field and no result.
Choosing between the Net Worth Calculator and similar calculators
Each row shows what a related calculator on this site asks for and what it returns, so you can pick the one that matches your question.
| Calculator | You enter | It returns |
|---|---|---|
| [Budget Calculator](/finance/budget-calculator/) | monthly income, housing and food | Left over each month |
| [College Cost Calculator](/finance/college-cost-calculator/) | annual cost today, years until study starts and annual cost increase | Projected total cost |
| [Net to Gross Calculator](/finance/net-to-gross/) | net pay and total tax and deductions rate | Gross pay |
| [Net Present Value Calculator](/finance/net-present-value-calculator/) | discount rate, initial investment and cash flows | Net present value |
| [Food Waste Percentage Calculator](/cooking/food-waste-percentage-calculator/) | food wasted and total food | Food waste |
Background: personal finance estimates
Financial calculators project from the numbers you give them. Long-range tools depend on guesses about returns and tax rates that are unlikely to hold exactly, payoff tools assume a fixed payment and rate, and tax or salary results depend on the tax year, filing status and country. Official calculators say their output is for reference only.
For decisions that matter, use conservative inputs and check the figures against your lender, plan documents or a qualified adviser.
Assumptions and limitations
- Negative net worth is possible
Results are estimates for planning, not financial advice. Lender terms, fees, taxes and rounding rules can change real figures, so confirm important numbers with your lender or a licensed adviser.
If a required value is empty, not a number, or outside its allowed range, the form marks that field with a message and shows no result instead of a misleading number. The automated checks deliberately try invalid entries for assets (list of values) and liabilities (list of values) to confirm this.
Frequently asked questions
Should I include my home?
Yes, at market value, with the mortgage as a liability.
What is a good net worth?
It depends on age and goals.
Does it include future income?
No. Net worth counts assets and liabilities today; expected future earnings are not included.
What does the Net Worth Calculator calculate?
Total assets minus total liabilities. It returns Net worth, Total assets and Total liabilities.
What formula does the Net Worth Calculator use?
net worth = Σ assets − Σ liabilities. Enter 0 if you have none in a list.
What do I need to enter in the net Worth Calculator?
You enter Assets (list of values) and Liabilities (list of values).
How is the result rounded or limited?
IEEE-754 double precision; money shown to cents, rates to 4 decimals. Results are estimates, not financial advice. Negative net worth is possible.
What is an example of a net Worth result?
With assets (list of values) 250000, 40000, 15000 and liabilities (list of values) 180000, 12000, the net worth is $113,000.00.
Can I rely on this calculator for a decision?
Results are estimates for planning, not financial advice. Lender terms, fees, taxes and rounding rules can change real figures, so confirm important numbers with your lender or a licensed adviser. For this calculator in particular: Negative net worth is possible.
Related calculators
- Budget Calculator — Monthly income minus spending, and the share left over.
- College Cost Calculator — Projected total cost of study with yearly cost inflation.
- Net to Gross Calculator — Gross pay needed to take home a target net amount at a flat tax rate.
- Net Present Value Calculator — NPV of an initial outlay and a series of yearly cash flows.
- Food Waste Percentage Calculator — Share of food that was wasted.
- Portion Size Calculator — Amount of food per person.
Sources
- Standard time-value-of-money relations (e.g. Brealey, Myers & Allen, Principles of Corporate Finance)
Content last reviewed 2026-11-04. Formulas and worked examples are checked by automated tests against independently computed values.