Net Worth Calculator
Your net worth: everything you own minus everything you owe, with and without your home.
How net worth changes with a mortgage paid down
| Mortgage owed | Net worth |
|---|---|
| $250,000 | $185,000 |
| $200,000 | $235,000 |
| $150,000 | $285,000 |
| $100,000 | $335,000 |
| $0 | $435,000 |
How this calculator works
Net worth = assets (cash, investments, retirement accounts, home and other property at today's value) − debts (mortgage, loans, credit cards and other balances).
What it assumes
- Value your home and car at what they would sell for; retirement accounts before tax.
Questions people ask
How do I calculate my net worth?
List what you own at current value and subtract everything you owe. Tracking it yearly shows whether your finances are moving the right way.
Should I include my home?
Yes, at a realistic sale value, with the mortgage as a debt. Net worth without the home shows how much is available to spend or invest.
Do retirement accounts count toward net worth?
Yes. Some people subtract the income tax due on traditional 401(k) and IRA balances for a more realistic figure.
Can net worth be negative?
Yes, often early in a career with student loans. Paying down debt and saving turns it positive.
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Sources
Updated by the RateHerald team. The maths is tested against worked examples; report a problem.