Net Worth Calculator
Add up everything you own, subtract everything you owe, and get your net worth — the single best snapshot of financial health to track over time.
Inputs explained
- Cash & savings — Checking, savings, and cash on hand.
- Investments & retirement — Brokerage, 401(k), IRA, and other investment accounts.
- Real estate value — Market value of homes and land you own.
- Vehicles & other assets — Cars, valuables, and anything else of resale value.
- Mortgage balance — Remaining balance on home loans.
- Loan balances — Auto, student, and personal loan balances.
- Credit card & other debts — Revolving balances and any other liabilities.
How to use it
- Fill in the fields above — each input has a hint describing exactly what to enter
- Press Calculate to get your result instantly, right on this page
- Copy the result, save the tool to favorites, or share and embed it anywhere
Understanding the result
Example: With $20,000 cash, $80,000 investments, and a $300,000 home against a $200,000 mortgage and $15,000 in loans, net worth is $185,000.
Frequently asked questions
Should I use current market value or purchase price for real estate and vehicles? Use current estimated market value, not what you originally paid, since net worth reflects what your assets are worth today.
Why isn't my net worth the same as my cash on hand? Net worth includes illiquid assets like home equity and investments minus all debts, so it can be far larger or smaller than your available cash, and a big portion may not be immediately spendable.
Is the Net Worth Calculator free to use? Yes — it is completely free, with no sign-up, no download and no usage limits. You can use it as often as you need.
Is my data private? Yes. The calculation runs entirely in your browser — the values you enter are never sent to our servers, stored or shared with anyone.
What information do I need? Just the following: Cash & savings, Investments & retirement, Real estate value, Vehicles & other assets, Mortgage balance, Loan balances, Credit card & other debts. Each field includes a hint explaining exactly what to enter.
Can I use it on my phone? Yes — the tool is fully responsive and works on any device, and the same calculator is available in the EasyWorkCalcs mobile app.
Privacy
Everything you enter into the Net Worth Calculator is processed entirely in your browser. Nothing is uploaded, stored or shared — your data stays on your device.