Net Worth Calculator
Add cash, investments, home equity, and debts into one household snapshot.
Home value is an estimate. Net worth is a snapshot, not a score, and it can move when markets or appraisals move.
How this tool works
Add cash, investments, and home value, then subtract mortgage, auto, and card balances. Assets minus liabilities is net worth.
Why it matters for your credit
A credit score is not a wealth score. You can have an 800 and a thin cash position. This snapshot sits next to the credit tools so the household picture is complete.
Frequently asked questions
- Does net worth affect my credit score?
- No. Credit reports do not include your checking balance or 401(k). They include debts that were reported.
- Should I include my car’s value?
- You can. Use a conservative private-party estimate, not the number on a dealer website.
This tool gives an educational estimate only — not a promise of a specific score change, approval, or lender decision. Explore all free tools, dispute letter templates, or the credit guides.