💎 Finance & Money

Net Worth Calculator

Add up everything you own and subtract what you owe to find your true net worth. A clear snapshot of your financial position, updated live as you type.

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Enter your assets (what you own) and liabilities (what you owe). Your net worth, total assets, and total debts update automatically. Leave any field blank if it doesn't apply.

✅ Assets — What You Own$0

Cash & Savings

Investments (shares, ETFs, crypto)

Retirement / Super

Property / Home Value

Vehicles

Other Assets (valuables, business)

❌ Liabilities — What You Owe$0

Mortgage / Home Loan

Car / Vehicle Loans

Credit Card Debt

Personal Loans

Student Loan (HECS/HELP)

Other Debts

Show net worth excluding my home & mortgage (liquid net worth)

Your Net Worth

Assets minus liabilities

$0 assets$0 liabilities

Total Assets

Total Liabilities

What is a Net Worth Calculator?

A net worth calculator measures your overall financial position by adding up everything you own (your assets) and subtracting everything you owe (your liabilities). The result — your net worth — is the single clearest number for your financial health. It cuts through income and spending to show what you've actually built. This calculator lets you enter all your assets and debts across common categories and instantly see your net worth, total assets, and total liabilities, updating live as you type.

Tracking net worth over time is one of the most powerful habits in personal finance. A rising net worth means you're building wealth; a falling one is an early warning. Unlike your salary, it reflects the cumulative result of every financial decision you make.

How is Net Worth Calculated?

The formula is simple: total everything you own, total everything you owe, and subtract one from the other.

Net Worth = Total Assets − Total Liabilities

Assets = cash + investments + super + property
+ vehicles + other

Liabilities = mortgage + loans + credit cards
+ student debt + other

A positive result = you own more than you owe

How to Use This Calculator

Fill in each asset you have — cash and savings, investments, retirement or superannuation, property value, vehicles, and any other valuables — and each debt you owe, including your mortgage, car and personal loans, credit card balances, and student debt. Use current market values for assets and current balances for debts. Leave any field blank if it doesn't apply. Your net worth and totals calculate automatically.

What Counts as an Asset?

An asset is anything you own that has monetary value. The main categories are: liquid assets (cash, savings accounts), investments (shares, ETFs, managed funds, crypto), retirement savings (superannuation, pension, 401(k)), property (your home and any investment real estate, at market value), vehicles (cars, boats — at resale value, not purchase price), and other valuables (a business, jewellery, collectibles). Use realistic current values, not what you paid or hope to get.

💡 Value assets at what they'd actually sell for today, not what you paid. A car loses value the moment you drive it away, so use its current resale price. For property, use a recent appraisal or comparable sales. Overvaluing assets gives you a flattering but misleading net worth.

What Counts as a Liability?

A liability is any money you owe. Common liabilities include your mortgage (the outstanding balance, not the original loan), car and vehicle loans, credit card debt, personal loans, student loans (such as HECS/HELP in Australia or student debt elsewhere), and any other debts like buy-now-pay-later balances or money owed to family. Always use the current outstanding balance, since that's what you'd need to repay to clear the debt.

What is a Good Net Worth?

There's no single "good" number — it depends heavily on your age, income, location, and stage of life. A 25-year-old just starting out may have a small or even negative net worth (common with student debt), while it should grow steadily through your working years. More useful than comparing to others is tracking your own trend: is your net worth higher than last year? One common benchmark is to aim for a net worth that's a growing multiple of your annual income as you age, but the most important thing is consistent upward movement.

Why Track Your Net Worth?

It's the truest measure of progress: it captures saving, investing, and debt repayment in one number.
It reveals hidden problems: a good income with flat net worth signals overspending or lifestyle creep.
It motivates: watching the number climb reinforces good habits.
It guides decisions: it shows whether you're on track for goals like buying a home or retiring.
It's a financial checkup: calculating it once or twice a year keeps you honest.

How to Increase Your Net Worth

Net worth grows in two ways: increasing assets and decreasing liabilities. Practically, that means saving and investing consistently (ideally automatically), paying down high-interest debt like credit cards first, avoiding new bad debt, building income, and letting investments compound over time. The two levers work together — every dollar of debt you clear and every dollar you invest both move the number in your favour. Small, consistent actions compound into large net worth gains over years.

Frequently Asked Questions

How do I calculate my net worth?

Add up the current value of everything you own (cash, investments, super, property, vehicles, other assets), then subtract everything you owe (mortgage, loans, credit cards, student debt). The result is your net worth. Enter your figures above and the calculator does it instantly, showing your net worth along with your total assets and liabilities.

What should I include in my assets?

Include cash and savings, investments (shares, ETFs, crypto), retirement/superannuation, the market value of property you own, vehicles at their resale value, and other valuables like a business or collectibles. Use realistic current values — what things would actually sell for today, not what you paid for them.

Should I include my home in net worth?

Yes. Include your home's current market value as an asset and your outstanding mortgage as a liability. The difference (your home equity) contributes to your net worth. Some people also track "net worth excluding home" separately, since your home isn't easily spendable, but the standard calculation includes it.

Can net worth be negative?

Yes, and it's common — especially when you're young or early in your career. If your debts (like student loans or a new mortgage) exceed your assets, your net worth is negative. This isn't necessarily bad; it often reflects investments in education or property that pay off later. The key is to see it trend upward over time toward positive.

What is a good net worth by age?

It varies widely by income, location, and circumstances, so there's no universal target. Net worth typically starts low (or negative) in your twenties and grows through your working life. Rather than comparing to others, focus on your own trajectory — steady year-on-year growth is the real sign of financial health. Benchmarks based on multiples of income exist but are rough guides only.

How often should I calculate my net worth?

Once or twice a year is enough for most people to spot trends without obsessing over short-term market swings. Some track it monthly or quarterly. The exact frequency matters less than consistency — measuring it the same way at regular intervals lets you see genuine progress over time and catch problems early.

What's the difference between net worth and income?

Income is what you earn over a period (your salary, for example); net worth is what you've accumulated — your assets minus debts at a point in time. A high income doesn't guarantee high net worth if you spend it all. Net worth is the better measure of wealth because it reflects what you've kept and built, not just what flows through your hands.

Is my data private?

Yes, completely. The calculator runs entirely in your browser — none of your financial details are uploaded, saved, or shared. Everything is processed on your own device, so you can enter your real figures with full privacy. It also works offline once the page has loaded.