Free Personal Net Worth Calculator With Clear Categories

A net worth calculation is a simple concept: assets minus liabilities. In practice, many people benefit from an organized way to list accounts, debts, and property so the totals are clear. This net worth calculator online helps you build a quick snapshot of your finances using categories that match common U.S. household balance sheets.

You can treat this tool as a household net worth calculator (combine household totals) or a personal balance sheet. It supports a “what-if” view by letting you adjust values and instantly see how totals change. For example, you can test how paying down a credit card, increasing savings, or adding home equity affects your results.

This tool focuses on clarity rather than complexity. It does not attempt to predict investment returns, home prices, or taxes. Instead, it helps you answer a practical question: “Where do I stand today?” That baseline is useful before using other calculators such as budgeting, mortgage, or retirement planning tools.

For assumptions and limitations, see How Our Calculators Work.

Net worth calculator showing assets and liabilities totals for a personal finance balance sheet in the United States

Net Worth Calculator (US)

Use this free net worth calculator to estimate your current net worth by listing assets and liabilities. This personal net worth calculator runs in your browser and helps you organize your balance sheet, see totals by category, and understand what drives your net worth over time. It is an educational financial decision tool—not financial advice.

All Tools Budget Planner

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Balance-sheet view

Assets minus liabilities.

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Category totals

Cash, property, debts.

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Runs locally

No login required.

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Educational only

Not advice or prediction.

Net Worth Calculator

Enter your current values for assets and liabilities. Totals update after you calculate. Use this as a quick snapshot or a simple how to calculate net worth worksheet.

Assets

Assets are items you own with measurable value—cash, investments, retirement accounts, and property. Use conservative estimates if you are unsure.

Cash & checking ($)

Savings (high-yield, CDs) ($)

Taxable investments (brokerage) ($)

Retirement accounts (401k/IRA) ($)

Home value ($)

Other property (land, rental) ($)

Vehicles (estimated value) ($)

Other assets (optional) ($)

Liabilities

Liabilities are debts you owe—credit cards, student loans, auto loans, and mortgages. Enter current balances.

Credit card balances ($)

Student loans ($)

Auto loans ($)

Mortgage balance ($)

Personal loans ($)

Medical debt ($)

Other debt (optional) ($)

Collections / other obligations ($)

Tip: If you want a house-focused view, you can compare home value and mortgage balance to estimate home equity. For payment scenarios, use our Mortgage Calculator.

Net Worth Summary

This summary shows totals for assets, liabilities, and net worth, plus a simple breakdown to highlight drivers.

Total assets

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Total liabilities

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Estimated net worth
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Estimated home equity

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Liquid assets

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Cash + savings + taxable investments

Retirement assets

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401(k), IRA, similar accounts

How to interpret your net worth

Calculate to see totals by category and identify the main drivers.

Methodology & Assumptions

This net worth calculator online follows a basic accounting identity: Net Worth = Total Assets − Total Liabilities. The tool totals the values you enter under common asset categories (cash, savings, investments, retirement accounts, property, vehicles, and other assets) and subtracts the balances you enter for liabilities (credit cards, loans, mortgage, and other obligations). The outputs are purely arithmetic based on your inputs.

Home equity is shown as a helpful sub-metric: home equity = home value − mortgage balance. This is a simplified view that does not include selling costs, taxes, liens, or local fees. If your mortgage balance is higher than your home value, equity may be negative. Vehicle values and “other assets” are optional and can be estimated conservatively to avoid overstating net worth.

This tool does not model returns, inflation, interest rate changes, or taxes. If you want forward-looking scenario testing, consider pairing this baseline with other calculators: use budgeting tools for monthly cash flow, a mortgage payment calculator for housing affordability, and retirement planning tools for long-term contribution scenarios.

For general educational background on building a household balance sheet and tracking assets and debts, you can review consumer finance education from the Consumer Financial Protection Bureau (CFPB) . This external reference is provided for general education only; InvestingLab.com is not affiliated with any agency.

For site-wide modeling philosophy, see How Our Calculators Work.

FAQ

Common questions about using a net worth calculator and interpreting results.

How do I calculate net worth?

A standard net worth calculation is total assets minus total liabilities. List the value of what you own (assets) and subtract what you owe (debts). This net worth calculator automates that arithmetic and summarizes results by category.

What counts as assets in a personal net worth calculator?

Common assets include cash, savings, investments, retirement accounts, and property. Some people include vehicles and other items with resale value. The best approach is consistency: use the same categories each time so trends are meaningful.

Should I include home equity in my net worth?

Many households include home equity because it represents value you may access through sale or refinancing. However, home equity is less liquid than cash and investments. This tool shows home equity separately so you can view both total net worth and liquidity.

Does this tool save my data?

No. Calculations run in your browser. InvestingLab.com does not require a login for this calculator, and this page is designed for educational scenario testing only.

How often should I update my net worth?

Many people update monthly or quarterly. A regular cadence makes it easier to connect actions (saving, debt payoff, investing) to outcomes. If you are using budgeting tools or a mortgage calculator, updating alongside those reviews can be useful.

Disclaimer

InvestingLab.com provides educational tools and simulations only. We do not provide financial, investment, tax, or legal advice. Net worth results are estimates based solely on the values you enter and simplified assumptions. Actual values, liquidity, taxes, fees, and legal obligations may differ materially.