Calculate your net worth by totalling assets and subtracting liabilities — the single best measure of financial health.
Standard accounting: Net Worth = Total Assets − Total Liabilities.
Income shows what you earn; net worth shows what you've kept. Tracking it once a quarter is the fastest way to see whether your finances are actually improving. This calculator groups assets and liabilities into the categories most households use.
Net Worth = (Cash + Investments + Retirement + Real Estate + Other Assets) − (Mortgage + Auto Loans + Student Loans + Credit Cards + Other Debts).
$25,000 cash + $80,000 investments + $150,000 retirement + $400,000 home + $10,000 other = $665,000 assets. Minus $280,000 mortgage, $15,000 auto, $30,000 student loans, $4,000 credit cards = $329,000 liabilities. Net worth: $336,000.
Yes, at current resale value (Kelley Blue Book) — but recognize it's a depreciating asset.
Only if you'd actually sell them. Otherwise leave them out to avoid inflating the number.
Quarterly is a good cadence — often enough to spot trends, rare enough to avoid noise.
This calculator is for educational and estimation purposes only. It does not provide financial, mortgage, tax, investment, or legal advice. Actual rates, payments, taxes, fees, insurance costs, eligibility, and loan terms vary by lender, location, credit profile, and market conditions. Always compare official offers and consult a qualified professional before making financial decisions.
Last updated June 2026 · Prepared by the mCalculator Editorial Team