Add up everything you own, subtract everything you owe, and see exactly where you stand financially today.
Net worth is a snapshot based on the values you enter. Asset values (like a home or car) are estimates and change over time. This tool is for informational purposes only and is not financial advice.
Net worth is the simplest measure of your overall financial health: everything you own (assets) minus everything you owe (liabilities). A positive net worth means your assets outweigh your debts; a negative one means the reverse — common early in life with student loans or a new mortgage. What matters most is the direction it moves over time.
Two levers move your net worth: increasing assets (saving, investing, growing home equity) and reducing liabilities (paying down debt). Paying off high-interest debt does both — it removes a liability and frees up cash to build assets. Tracking your net worth a few times a year is one of the best ways to stay motivated and spot trends early.
Include liquid assets (cash, savings), investments, retirement accounts, real estate, and vehicles on the asset side; and mortgages, loans, and credit card balances on the debt side. Use current market values for assets.
Not necessarily. Many people start with negative net worth due to student loans or a new mortgage. What matters is the trend — steadily moving toward positive over time is the goal.
Yes — include your home's current market value as an asset and your mortgage balance as a liability. The difference is your home equity, which is part of your net worth.
Quarterly or a few times a year is plenty for most people. Checking too often can make normal market swings feel stressful; periodic snapshots show the real trend.