Free tool

Net worth calculator

Add up what you own, subtract what you owe, and see the result.

Cash and savings ($)

Retirement and investments ($)

Home value ($)

Vehicles ($)

Other assets ($)

Mortgage balance ($)

Car loan balances ($)

Student loan balances ($)

Credit card balances ($)

Other debts ($)

Run a small business, or do the books for one? Take the free books check or browse the free Excel templates. Want a hand? Contact us.

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<p style="font-size:14px">Free <a href="https://mcc-solutionsnj.com/tools/net-worth-calculator">Net worth calculator</a> by <a href="https://mcc-solutionsnj.com/">MCC Solutions</a>.</p>

How it works

Net worth = total assets minus total debts. Use today's realistic value for each asset, not what you paid. For debts use the balance owed now, not the original loan. Run it again every few months to see the direction, which tells you more than any single number.

FAQ

About this calculator

Is a negative net worth bad?

It is common early in life or after taking on a mortgage or student loans. The direction over time matters more than one reading.

How should I value my home or car?

Use a realistic selling price, such as recent sales of similar ones, not the purchase price.

Should I include things like furniture?

You can, but most people leave them out because they are hard to sell for much. Pick a rule and keep to it so results compare over time.

Is anything saved?

No. The math runs in your browser and nothing you enter is sent to us.

Is this tax or financial advice?

No. It is a calculator for general information. Check the numbers against your own records, and ask an accountant before you act on them.

General information, not tax or legal advice. How we write and check our tools.

Excel workbook

Net Worth and Savings Goals Tracker

Record your balances once a month and watch your net worth, your goals and your debts change over the year.

See what is inside ($14)

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