Net worth calculator
Net worth is the sum of everything you own minus everything you owe, valued as of the same date. It's the single best indicator of your financial situation because, unlike income, it captures what's left rather than just what comes in.
Formula: Net worth = assets (cash + investments + property) − liabilities (outstanding debts).
Net worth calculator
Enter your assets and outstanding debts to see your net worth today.
Estimate calculated in your browser. No data is sent or stored.
How to use it
- Add up cash. Checking, savings and cash on hand.
- Add investments. Funds, stocks, retirement accounts and crypto at market value.
- Value your property. Real estate and vehicles, using a conservative and consistent method.
- Subtract debts. Outstanding balances on mortgages, loans and credit cards.
Valuing without inflating the number
The most common mistake is valuing a home at listing prices, which typically run 5–15% above closed sales. Always use the same source and the same cutoff date so your monthly series is comparable to itself.
- Same cutoff date for every line item
- Vehicles: used-market appraisal value, not the purchase price
- Debts: outstanding balance, not the sum of future payments
The trend matters more than the level
The absolute level depends on your age, country and career. What's actionable is the slope: how much your net worth grows each month and how much of that comes from saving, paying down debt or market gains.
Frequently asked questions
- Should I include my primary home?
- Yes, for accounting net worth. It's a different question for financial independence, where your primary home doesn't count since it doesn't generate income.
- How often should I calculate it?
- Monthly is enough and avoids the noise of daily market swings. netclariq calculates it automatically each month from your accounts and assets.