Money Management

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What Is My Net Worth?

March 19th, 2021



Not just for millionaires anymore, net worth measures the difference between what you own and what you owe. Knowing your net worth is part financial fitness checkup (how am I doing?) and part planning tool.

As long as your assets are more than your debts, you have a positive net worth. Your goal, from one year to the next, is to make that positive difference grow.

Among other things, knowing your net worth helps you see if debts are in line with assets, if investments are growing, and even if you need more disability or life insurance to shield your assets. Use this calculator to take your financial pulse.

Assets
Cash—share savings						Cash—share draft/checking
Cash on hand						Share certificates/CDs
Money-market funds						U.S. savings bonds
Market value of house						Market value, other real estate
Life insurance, cash value						Annuities, surrender value
Pension plans, vested equity						Profit sharing, vested equity
401(k) or 403(b) plans						Individual retirement accounts
Keogh plans						Stocks (individually owned)
Bonds (individually owned)						Stock mutual funds
Bond mutual funds						Real estate investment funds
Other investments						Collectibles
Precious metals						Household furnishings
Vehicles						Boats, recreational vehicles
Furs, jewelry						Loans owed to you
Other assets
Liabilities
Mortgage balance(s)						Vehicle loans
Student loans						Home-equity credit line
Other credit lines						Credit card bills
Other bills
Total assets:
Total liabilities:
Net worth:

Provision of this calculator is not an offer of credit. Its use in no way guarantees that credit will be granted. This calculator is solely for informational purposes and provides reasonably accurate estimates; the calculations are not intended to be relied upon as actual loan computations.