---
title: "Net Worth Calculator: Assets Minus Debts | MCC Solutions"
description: "Enter what you own and what you owe to see your net worth and how much of your assets are covered by debt. Free and private."
url: "https://mcc-solutionsnj.com/tools/net-worth-calculator"
---

Free tool

# Net worth calculator

## Overview

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

Want this tracked every month? Wrenfold keeps your budget on your own device. [See Wrenfold](/personal-finance)

Cash and savings ($)

Retirement and investments ($)

Home value ($)

Vehicles ($)

Other assets ($)

Mortgage balance ($)

Car loan balances ($)

Student loan balances ($)

Credit card balances ($)

Other debts ($)

Excel workbook · $14

### 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)](/toolkits/net-worth-savings-goals-tracker)14-day full refund

Share

## Put this tool on your own site

Free to use. Paste this where you want it to appear. It runs in the visitor's browser, so nothing they enter is sent to us.

[See every calculator you can embed](/embed)

How it works

## 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.

Related: [debt payoff calculator](/bookkeeping/debt-payoff-calculator), [savings goal calculator](/bookkeeping/savings-goal-calculator), [net worth savings goals tracker](/toolkits/net-worth-savings-goals-tracker). See [all free tools](/free-tools). More free tools: [Mix ratio calculator](/tools/mix-ratio-calculator), [Holiday budget calculator](/tools/holiday-budget-calculator), [Decimal hours to minutes converter](/tools/decimal-hours-to-minutes-converter), or [see all free tools](/free-tools).

General information, not tax or legal advice. [How we write and check our tools](/editorial-standards).

Keep this calculator on your phone: [Add MCC Money to your phone](/tools/mcc-money-app). It's free, works offline and holds 62 calculators.

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)](/toolkits/net-worth-savings-goals-tracker)

Also in the [Household Money Bundle](/toolkits/household-money-bundle): 3 products for $39 instead of $47 separately.

Wrenfold

### Keep this going in a budget you own

Wrenfold keeps accounts, budgets, bills and goals on your own computer or iPhone, with budgets that roll over each month. Bring in a bank CSV or your You Need A Budget file, or keep balances current through SimpleFIN Bridge, a separate service you sign up for. $79 once, with an optional $5 a month for updates; the app keeps working if you stop. The free trial records up to 60 entries.

[See Wrenfold](/personal-finance) [Compare the three apps](/software)

## Need help with your business?

[Contact us](/contact)[Call (908) 444-6373](tel:+19084446373)