Add up your assets and liabilities to find your net worth. Free net worth calculator with the formula shown - runs entirely in your browser, no signup.
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Add up your assets and liabilities to find your net worth. Free net worth calculator with the formula shown - runs entirely in your browser, no signup.
Assets of 305,000 minus liabilities of 197,000 gives net worth of 108,000.
Transparent methodology
How this calculator works
Reviewed August 2026 · BoringToolsKit Editorial Team
BoringToolsKit. “Net Worth Calculator.” boringtoolskit.com/net-worth-calculator/ (reviewed August 2026). Free to reference in articles, syllabi, and answer posts with a link.
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A worked example: one household balance sheet
Say you list three assets: a home at 250,000, retirement savings at 40,000, and a car at 15,000. Total assets = 250,000 + 40,000 + 15,000 = 305,000. Then two liabilities: a mortgage balance of 180,000 and a car loan of 12,000, plus 5,000 on credit cards. Total liabilities = 180,000 + 12,000 + 5,000 = 197,000.
Net worth = 305,000 - 197,000 = 108,000. The calculator also shows supporting metrics: total assets of 305,000 and total liabilities of 197,000, so liabilities are 197,000 / 305,000 = about 64.6% of assets. That single ratio tells you more than the headline number: a household with 1,000,000 in assets and 892,000 in liabilities has the same 108,000 net worth but far less margin if asset prices fall.
The credit card entry is worth isolating. It is 5,000 of the 197,000, roughly 2.5%, but at a 22% APR it costs about 1,100 per year in interest, while the mortgage at 6% costs about 10,800. Paying off the card moves net worth by only 5,000 yet frees up cash flow fastest, which is why the itemized tables matter more than the total.
Where a one-shot net worth number misleads
Net worth is a snapshot at whatever values you typed in, and the inputs age at different speeds. A checking balance can change daily; a home value typed from a guess six months ago may be off by 5% to 10%. On a 250,000 home that guess alone swings net worth by 12,500 to 25,000, which can exceed a full year of savings.
Two accounting choices cut the other way. First, the car is usually listed at resale value while the loan is at payoff, so a 15,000 car against a 12,000 loan overstates your position by a few thousand once transaction costs are counted. Second, the calculator ignores taxes: retirement accounts at 40,000 are really worth roughly 40,000 times your effective withdrawal tax rate, so 30,000 to 34,000 after tax at a 15% to 25% rate. Households with large pre-tax balances should track a second, after-tax net worth.
A practical cadence: update liquid accounts monthly, property and vehicle values quarterly, and expect the line to move in steps when a valuation refresh lands rather than smoothly. Comparing your own trend across identical methods beats comparing one number against any published median.
