Wealthy PotNet Worth Calculator
Add up your assets, subtract your debts, and figure out your true net worth — and which way it is trending. Calculate your net worth in seconds.
Your single most important money number
Net worth is the clearest snapshot of your financial health: add up what you own, subtract what you owe, and you have one number that captures everything. List your assets and liabilities below — the calculator totals them and shows whether you're in the black and by how much.
What to include
- Assets — cash and savings, investment and retirement accounts, the market value of a home or car, and anything else of real value.
- Liabilities — credit-card balances, student loans, auto loans, a mortgage, and any money you owe.
Track the trend, not just the number
Recalculate every quarter and save the link to compare. A rising net worth means your plan is working — whether you get there by paying down debt or by growing investments. The direction over time tells you far more than any single reading.
Frequently Asked Questions
What is net worth?
Net worth is everything you own (assets) minus everything you owe (liabilities). Assets include cash, savings, investments, retirement accounts, and the value of property or a car. Liabilities include credit-card balances, student loans, a mortgage, and any other debt.
Is it bad to have a negative net worth?
Not necessarily — it is very common early on, especially with student loans or a new mortgage. What matters is the trend. As you pay down debt and build savings, net worth climbs. Track it every few months and watch the direction.
Should I include my home and car?
Include them at their current market value (what you could sell them for), and include the matching loan as a liability. Some people prefer to track "liquid" net worth separately by leaving the home out — both views are useful.