Net Worth CalculatorUnited States Part of Cindrus (opens in a new tab)

Net worth calculator

Fill in the categories that apply to you. The result updates as you type.

Your household What you own

Checking, savings, money market and certificates of deposit.

401(k), 403(b), IRA and thrift savings balances, before tax.

Brokerage accounts, stocks, funds and bonds outside retirement accounts.

The value you would use today.

A value you can explain, such as an appraisal.

Rental property, land or a second home.

Cars, trucks, motorcycles, boats.

For example cash value life insurance or money others owe you.

What you owe

The balance from your latest statement.

The amount you owe today.

Federal and private.

The full balance, not the minimum payment.

Personal loans, medical bills, loans from family.

Your net worth -

The result is a calculation on your figures. It is not a guaranteed saving or an offer.

Everything you entered as assets minus everything you entered as debts.

All fields start empty. Only what you enter is counted.

Total assets-
Total debts-
Share of assets in retirement accounts-

Counted at the balance you entered, before any income tax or early withdrawal tax.

Assets outside your home and retirement accounts-
Debts as a share of assets-

Basis: Only the amounts you typed in. No market data, prices or averages are used. Values you can actually get for your assets, and the amounts needed to pay off your debts, may differ.

This calculation is not a loan offer or a personal recommendation about your finances.

For illustrative purposes only. Not a loan offer or commitment to lend. Cindrus is not a lender, mortgage broker or loan originator, we pass no information to lenders, and no lender pays us.

Create free account (opens in a new tab) Free account. Add what you own and what you owe, and Cindrus shows your net worth in your overview.
Assets by type
Cash and bank accounts-
Retirement accounts-
Taxable investments-
Crypto-
Your home-
Other real estate-
Vehicles-
Other assets-
Debts by type
Mortgage on your home-
Home equity loan or line of credit-
Loans on other real estate-
Auto loans-
Student loans-
Credit card balances-
Other debts-
The result assumes:
  • Each value is the amount you entered, in dollars, on the same day.
  • No income tax, early withdrawal tax or selling costs are subtracted.
  • A debt balance is not the same as a payoff amount, which can include interest up to the payoff day.
  • Empty fields count as zero in the totals and show as not entered.

Sources

  1. Board of Governors of the Federal Reserve System: «Survey of Consumer Finances (SCF)» and «Changes in U.S. Family Finances from 2019 to 2022» (opens in a new tab)
  2. Internal Revenue Service: «Retirement topics – Exceptions to tax on early distributions» (opens in a new tab)

Read how retirement accounts are counted →