Enter your assets (cash, investments, real estate, vehicles) and liabilities (mortgage, loans, credit card debt) to calculate your net worth. See your total assets, total liabilities, and net worth broken down in a clear summary — plus a 10-year projection of how your net worth could grow.
Your Net Worth
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Total Assets
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Total Liabilities
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Projected Net Worth (10 Years)
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Net worth is the total value of everything you own (your assets) minus everything you owe (your liabilities). If your assets exceed your liabilities, you have a positive net worth. If your debts outweigh your assets, your net worth is negative — which is common early in life but improves over time.
Assets are valuable possessions that you own. This includes cash and savings accounts, retirement and investment accounts, real estate properties, vehicles, and other valuables like jewelry or business interests. Anything with monetary value that you own counts as an asset.
Liabilities are financial debts or obligations you owe to others. Common liabilities include mortgage balances, car loans, student loans, credit card debt, and personal loans. Reducing your liabilities is just as effective as growing your assets when it comes to increasing net worth.
Net worth is calculated using a simple formula: Total Assets minus Total Liabilities equals Net Worth. Add up the current value of everything you own, then subtract the total of all your outstanding debts. The resulting number is your net worth — it can be positive or negative.
Yes. A home is a great example — the market value of your home is an asset, but your remaining mortgage balance is a liability. The same applies to a car: its current market value is an asset, while your outstanding auto loan is a liability. Your net equity in each is what truly contributes to your net worth.
There's no universal benchmark for a 'good' net worth — it depends heavily on your age, income, and financial goals. A positive and growing net worth is a healthy sign at any stage. Many financial planners suggest aiming to have a net worth equal to your annual income multiplied by your age divided by 10 as a rough guide.
You can grow your net worth by increasing your assets (saving more, investing consistently, building equity in property) or decreasing your liabilities (paying off high-interest debt, avoiding unnecessary loans). Doing both simultaneously is the most effective strategy for long-term wealth building.
The projection is an estimate based on the annual growth rate you enter applied to your current net worth. Real-world results will vary based on market performance, changes in income, new debts, or major purchases. It's best used as a motivational planning tool rather than a guaranteed forecast.