Net Worth Calculator Including Home
Calculate net worth with your home included, and see exactly how home equity and your mortgage shape the total.
Assets and debts are totaled in your browser — your full financial picture stays on your device.Try: Cash & savings=15000, Investment accounts=40000, Home value=320000, Retirement accounts (401k/IRA)=60000, Vehicle value=18000, Other assets=5000, Mortgage balance=250000, Auto loan=8000, Credit card debt=2000, Student loan=15000, Other debt=0, Your age (for percentile)=35 → $458,000, $275,000, $183,000, $70,000, $53,000, 60.0%
How to use
Your home is usually the biggest single asset, but only its equity counts — the value minus what you still owe. This calculator shows both your gross home value and your net home equity, then folds them into your total net worth so you can see the home’s real contribution.
FAQ
Do I include the full home value or just equity?
Include the full market value as an asset and the mortgage as a liability. The calculator shows the equity automatically; that’s the part that actually adds to your net worth.
What if I’m underwater on the mortgage?
Then home equity is negative, and it subtracts from your net worth. That’s honest — it just means you owe more than the home is worth today.