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Net worth calculator

Know your number. Shape your future.

Add what you own, subtract what you owe, and get a clear picture of where you stand—in minutes.

Free to use
Takes about 2 minutes
Calculate mine
Total assets$240,400

Assets

What you own or could sell.

Checking accounts
Current checking balances.
Savings accounts
Cash reserves, emergency fund, and HYSA balances.
Retirement accounts
401(k), IRA, pension, or similar balances.
Brokerage and investments
Stocks, bonds, funds, crypto, or taxable investment accounts.
Real estate value
Estimated current value of homes or other property.
Vehicles
Current resale value for cars, motorcycles, boats, or RVs.
Other assets
Jewelry, collectibles, business value, or anything else material.
Total liabilities$155,950

Liabilities

What you still owe.

Credit card debt
Current balances owed, not the monthly payment.
Student loans
Remaining balance across all student loans.
Car loans
Remaining balance owed on vehicles.
Mortgage and real estate loans
Principal balance still owed on property.
Personal loans
Bank loans, family loans, payday loans, or other notes.
Other debt
Medical bills, tax debt, collections, or other obligations.
Why ClearCash

One net worth number can hide who owns what.

ClearCash separates personal and shared accounts, so your net worth does not get distorted by joint accounts, shared debt, or household assets that are not fully yours.

  • See your personal number without losing the shared context.
  • Assign shared debt and assets to the right people.
  • Track the trend automatically instead of rebuilding the math.
Related reading

Keep building the full picture.

More on how to find every account that counts toward your number, including the ones you've lost track of.

Net WorthPersonal FinanceGetting Started
How to track your net worth when you're starting from scratch.

You don't need savings, a mortgage, or investments to calculate your net worth. Here's how to find every account you actually have, including the ones you've forgotten about, and turn them into one real number.

J
Justin·July 30, 2026·8 min read

Common questions

Assets are things you own that have value: checking and savings balances, retirement accounts, investments, real estate, vehicles, and other property you could sell.

Liabilities are balances you owe: credit cards, student loans, personal loans, auto loans, mortgages, medical debt, and other outstanding obligations.

Net worth is total assets minus total liabilities. A positive number means your assets are larger than your debts. A negative number means your debts are larger than your assets.

Use the portion that belongs to you. For example, if you split a joint mortgage 50/50, count 50% of the remaining loan balance for your snapshot.

✦ Free to start
Make your net worth easier to track.
ClearCash keeps personal and shared finances distinct, so you can follow your number over time without rebuilding the math.
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