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Net Worth Calculator: What Are You Actually Worth?
One number that income can't fake.
Net worth is everything you own minus everything you owe. It is the clearest single measure of financial progress, because it captures both sides at once — unlike income, which says nothing about what you keep.
Fill in what you can and leave the rest at zero; a rough number tracked consistently is far more useful than a precise one you calculate once. What matters is the direction over time, not the figure on any given day. Come back every few months and compare.
Good to know
Should I include my home in net worth?
Yes — include its realistic market value as an asset and the outstanding mortgage as a debt. What's left is your equity. Leaving both out is also defensible if you want a picture of purely liquid wealth, as long as you're consistent.
Is a negative net worth bad?
It's extremely common early in life, particularly with a mortgage or student debt, and it isn't a verdict on how you manage money. The meaningful question is which direction it's moving over years, not whether it's above zero today.
How often should I calculate it?
Every three to six months is plenty. Monthly tracking mostly captures market noise, which makes the trend harder to see and the exercise easier to abandon.
Why doesn't income appear here?
Because net worth measures what you've kept, not what you've earned. That's precisely what makes it useful — a high earner who spends everything can have a lower net worth than a modest earner who doesn't.