This calculator works out your total net worth, subtracting all your liabilities from all your assets, giving you a single figure representing your genuine financial position.
Enter your assets and liabilities, and the calculator returns your total net worth, a useful complement to tracking your investment portfolio over time.
This calculator is for educational purposes only. Use current market values for accuracy.
Include genuinely liquid or valuable items, cash, investment accounts, retirement funds, property (at current market value, not purchase price), and vehicles, avoid overestimating depreciating personal items like furniture or clothing, which typically have minimal genuine resale value.
Most net worth calculations do include your home at current market value, though some prefer excluding it since it's not typically liquidated for spending, the right approach depends on what you're using the figure for, include it for a complete wealth picture.
A negative net worth (more liabilities than assets) is common, particularly early in adulthood or after taking on debt like a home loan, it becomes more concerning if it's persistent or growing rather than improving over time as you pay down debt and build assets.
Many people find checking quarterly or annually gives a meaningful sense of progress without becoming an unhealthy obsession over short-term market fluctuations affecting investment account values.
Yes, your trading account balance is a genuine asset and should be included, along with any other investment or brokerage accounts, at their current market value.