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How to Calculate Net Worth in 2026: Formula, Steps, and Example
Learn how to calculate net worth with the assets minus liabilities formula. A step by step guide with examples, a table, and ways to track net worth over time.
How to Calculate Net Worth in 2026: Formula, Steps, and Example
Net worth equals total assets minus total liabilities. Add up everything you own that has monetary value, subtract everything you owe, and the result is your personal net worth. This single number gives you a clear snapshot of your financial health, and with the formula and steps below you can calculate it in about 15 minutes.
Updated January 2026
What is the net worth formula?
The net worth formula is straightforward: net worth equals total assets minus total liabilities, as explained by [Investopedia](https://www.investopedia.com/terms/n/networth.asp