Net Worth Calculator
Add up everything you own and owe to see your complete financial picture.
Total Assets
$0
Net Worth
$0
Assets minus Debts
Total Debts
$0
The math runs entirely in your browser — the numbers you enter are never sent to our servers. They’re saved only on this device so they’re still here when you come back.
How this net worth calculator works
The formula
net worth = total assets − total liabilities
The calculator adds every value in the Assets column, adds every balance in the Debts column, and subtracts the second total from the first. The breakdown bars show each line as a share of its own column, so you can see which accounts and which debts make up most of each side.
An example with real numbers
Enter four assets
- Home$350,000
- 401(k)$85,000
- Checking$12,000
- Car$18,000
Total assets$465,000
Then enter four debts
- Mortgage balance$240,000
- Auto loan$11,000
- Credit card$4,000
- Student loans$20,000
Total debts$275,000
Notice that most of that figure sits in home equity ($350,000 − $240,000 = $110,000), which is not the same as cash you can spend. That is why some people track net worth both with and without their home.
Assumptions and how to read the result
- The result uses exactly the numbers you type. It does not look up home values, account balances, or loan payoff amounts.
- It does not subtract taxes owed on retirement withdrawals or selling costs on a home. A traditional 401(k) balance, for example, is counted at its full value even though income tax is due when the money comes out.
- Blank, non-numeric, and negative entries count as $0; enter debts as positive balances in the Debts column.
Net worth is a snapshot of one moment. A single number says little on its own; the change between two measurements taken the same way says more. Paying down a loan and moving the same cash out of savings leaves net worth unchanged, while market swings in an investment account can move it without any action on your part.
Tracking it over time in Beyond Payday
On the free Beyond Payday plan, you enter your assets and debts by hand and the dashboard calculates net worth from them. Snapshots capture your net worth periodically and plot it on a historical chart alongside milestones you add, such as a new job or a paid-off car.
Frequently asked questions
What counts as an asset?
An asset is anything you own that has a dollar value: cash in checking and savings, retirement and brokerage accounts, the market value of your home, vehicles, and other property. This calculator uses whatever value you type in, so the result is only as current as those numbers.
What counts as a liability?
A liability is money you owe: mortgage balances, auto loans, student loans, credit card balances, personal loans, and medical debt. Enter the current balance owed, not the monthly payment.
Can net worth be negative?
Yes. If your debts add up to more than your assets, net worth is below zero. This is common early in a career or right after taking on student loans, and the calculator shows a negative result rather than rounding it to zero.
Do I include my home and car?
Most net worth calculations include them at an estimated market value, with the loan balances listed as debts. Some people also track a second figure without the home to see their liquid position. Either way works as long as you stay consistent from one check to the next.
How often is it worth recalculating?
Net worth is a point-in-time number, so many people update it monthly or quarterly. Comparing the same measurement over time shows the direction of change more clearly than any single snapshot.
Estimates for education, not financial advice.
Track your net worth over time
Beyond Payday automatically calculates your net worth and shows how it changes month to month — so you can see real progress, not just a snapshot.
Add both your accounts and see your combined net worth.
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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates based on the values you enter. Consult a qualified financial professional before making financial decisions.