Net worth calculator: one honest number.
Add up what you own, subtract what you owe, and see where you actually stand today. This is the first number I look at with every client, because everything else is built on top of it.
Net worth calculator
How to use this calculator
- Enter your assets: cash and savings, taxable investments, retirement accounts, property and anything else of real resale value.
- Enter your liabilities: credit cards, student loans, car loans, mortgage and anything else you owe.
- Read the result. Assets minus liabilities is your net worth.
- Write the number down with today's date and repeat it once a quarter. The trend matters far more than the snapshot.
What this assumes
- Values are what you enter — use realistic market values, not what you paid.
- Personal items like furniture and clothing are usually left out. They rarely convert to cash.
- One currency throughout. The tool doesn't convert between USD and CAD.
Common questions
What is net worth?
Everything you own minus everything you owe. It's one number that tells you where you actually stand, which is more useful than your salary or the balance in your chequing account.
Is a negative net worth bad?
No. It's very common early in a career, especially with student loans. What matters is the direction it moves over the next few years, not where it sits today.
Should I include my home and my car?
Include your home at a realistic market value and the mortgage as a liability. Cars work the same way, but remember they lose value, so don't be surprised when that part of the number falls.
How often should I calculate it?
Once a quarter is plenty. Checking more often just makes normal market movement feel like progress or failure when it's neither.
Other free calculators
Need help turning the numbers into a plan?
The calculator shows you the numbers. The Financial Clarity Intensive helps you decide what to do with them.