Net worth calculator
Add what you own and subtract what you owe — instantly see your net worth and where your wealth sits.
- Free, no sign-up
- Wealth breakdown included
- Assets minus liabilities
What you own
What you owe
Net worth
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Total assets
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Total debts
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Where your wealth sits
Your assets broken down by type.
What is net worth?
Net worth is everything you own minus everything you owe. It is the single clearest number for your financial health — and watching it grow over time matters far more than any single month's income.
Net worth formula
Net worth = Assets − Liabilities Assets = cash, investments, property, vehicles… Liabilities = mortgage, loans, credit.
This is a snapshot. Track it for real in Assetli
The calculator gives you today's number. Assetli keeps your net worth up to date — for free.
Free forever · 30-day Premium · no card
How it works
Three steps
Enter your assets
Cash, investments, property and more.
Enter your debts
Mortgage, loans and credit cards.
See your net worth
Plus a breakdown of where it sits.
Frequently asked questions
How is net worth calculated?
Net worth = total assets − total liabilities. Assets are what you own (cash, investments, property, vehicles); liabilities are what you owe (mortgage, loans, credit cards).
Can net worth be negative?
Yes. If your debts are larger than your assets, your net worth is negative — common early on with a new mortgage or student loans. The goal is to grow it over time.
Should I include my home and mortgage?
Yes — include the property's current value as an asset and the outstanding mortgage as a liability. The difference (your equity) is part of your net worth.
Is the calculator free?
Yes, completely free and it runs in your browser without signing up. Nothing you enter is sent anywhere.