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.


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


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:

This calculator is solely for informational purposes and provides reasonably accurate results.

© 2000 Credit Union National Association Inc.