Calculate your net worth from your total assets and liabilities.
Calculated privately in your browser.
How do you calculate your net worth?
Net worth = total assets − total liabilities. It is the value of everything you own minus everything you owe. For example, 320,000 in assets and 145,000 in debts gives a net worth of 175,000. Track it over time rather than fixating on one snapshot — a rising trend matters more than the absolute figure.
Understanding your result
Track it over time rather than worrying about a single snapshot. A rising trend matters more than the absolute figure.
Formula and method
Net worth = total assets − total liabilities.
Assumptions and limitations
The figure is an estimate for general guidance only and not financial advice. Its accuracy depends entirely on the asset values and debt balances you enter, and asset prices such as property or investments can change quickly. A single snapshot says little on its own; your real position also reflects circumstances the tool cannot see.
Worked example
320,000 in assets and 145,000 in debts gives a net worth of 175,000.
How to use this tool
- Add up and enter your total assets.
- Add up and enter your total liabilities.
- Press Calculate.
About the Net Worth Calculator
The Net Worth Calculator shows the value of everything you own minus everything you owe — the single clearest number for tracking financial progress.
Who should use this tool
Individuals and households wanting a single clear snapshot of their financial position by totalling what they own against what they owe. Useful for setting goals, tracking progress year on year, preparing for a loan application, or simply understanding where you stand across savings, property and debts.
Benefits
- Condenses your whole financial position into one figure
- Makes progress visible when you track it over time
- Highlights the balance between assets and debts
- Runs privately in your browser, nothing is stored
Practical use cases
- Taking a yearly snapshot to track progress
- Preparing figures before a mortgage application
- Comparing the effect of paying down debt
- Setting and reviewing personal financial goals
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Frequently asked questions
Should I include my home?
Yes — count the home’s market value as an asset and the outstanding mortgage as a liability.
What counts as an asset versus a liability?
Assets are things of value you own, such as cash, savings, investments, property and vehicles. Liabilities are what you owe, including mortgages, loans, credit-card balances and other debts. Net worth is simply total assets minus total liabilities, as the example of 320,000 less 145,000 giving 175,000 shows.
Can my net worth be negative?
Yes. If your debts exceed the value of what you own, the result is a negative number. This is common early in life or after large borrowing such as student loans or a new mortgage. Tracking the trend over time usually matters more than any single figure.