OmniCalcsNet Worth Calculator
Add up what you own, subtract what you owe, and see your net worth.
How to Use This Net Worth Calculator
Enter the current market value of your assets and the outstanding balances of your debts. The calculator totals each side and subtracts debts from assets to give your net worth.
- Cash & savings — checking, savings and money market balances.
- Investments — brokerage, retirement and other invested accounts.
- Property & vehicles — realistic resale value, not replacement cost.
- Debts — mortgage, loans, cards and anything else you owe.
Practical Example
Assets of $505,000 (cash $20,000 + investments $80,000 + property $400,000 + other $5,000) and debts of $320,000 (mortgage $300,000 + loans $15,000 + cards $5,000):
- Total assets = $505,000
- Total debts = $320,000
- Net worth = $505,000 − $320,000 = $185,000
Tracking this number over time shows whether your finances are moving forward.
What Your Results Mean
- Net worth — the single number that sums up your financial position today.
- Debt-to-asset ratio — debts divided by assets; lower is generally safer.
- Trend matters — a rising net worth over months and years is the goal, not one snapshot.
Frequently Asked Questions
What counts as an asset?
Anything you own with resale or cash value: bank balances, investments, a home, vehicles, business interests and valuable personal property.
Should I use the price I paid or current value?
Use current market value. Net worth reflects what your assets are worth today, not their original purchase price.
Can net worth be negative?
Yes. If debts exceed assets, net worth is negative. Many people start negative with a mortgage or student loans and improve over time.
Does a home count if I still have a mortgage?
Yes. Include the home's market value as an asset and the mortgage balance as a debt. Only the equity between them adds to net worth.
How often should I calculate net worth?
Quarterly is plenty for most people. Monthly is fine if you are actively paying down debt or building savings.