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Net Worth Calculator

Add up what you own and subtract what you owe to find your net worth.

Inputs

Cash, investments, property, and other things you own.

Loans, credit card debt, mortgages, and other things you owe.

Saved Scenarios

— select 2+ to compare

Net Worth

$70,000

Spark says

How it's calculated

Formula

Net Worth=Assets−LiabilitiesNet\ Worth = Assets - Liabilities
Assets
— Everything you own
Liabilities
— Everything you owe

What is the Net Worth Calculator?

Net worth is a snapshot of your overall financial position — everything you own, minus everything you owe.

How to use it

  1. 1 Add up all your assets (cash, investments, property, vehicles).
  2. 2 Add up all your liabilities (loans, credit cards, mortgages).

Worked examples

$150,000 assets, $80,000 liabilities

Net worth is $70,000.

Try it

Tips

  • 💡 Track net worth over time (e.g., quarterly) rather than as a one-off — the trend matters more than any single number.

Frequently asked questions

Should I include my home in assets?

Yes, at its current market value — just remember to also include any remaining mortgage balance in liabilities.