Total your assets minus your liabilities to find your net worth, the most important personal finance metric.
Net worth = Total Assets − Total Liabilities. It's the most comprehensive snapshot of your financial health. A positive net worth means you own more than you owe. A negative net worth means your debts exceed your assets.
For context: the median US household net worth is ~$192,900 (2023 Fed data), while the mean is ~$1,066,600 — skewed by high-wealth households. Track yours regularly to measure financial progress.
Type cash, checking, savings, investments, retirement accounts, real estate, vehicles, and any other valuable items. The calculator sums them.
Enter mortgage, auto loans, student loans, credit card balances, and any other debts. The calculator sums these too.
Net worth = total assets - total liabilities. The result is a single number representing your full financial position.
For related calculations, try our budget calculator.
Cross-checked against authoritative formulas (IRS, NIST, ACM) and updated for 2025/2026 tax years and rates.
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Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.