Net worth measures the difference between what you own and what you owe. Knowing your net worth is part financial health check-up (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 on hand
  • Money-market funds
  • Market value of house
  • Life insurance, cash value
  • Pension plans, vested equity
  • 401(k) or 403(b) plans
  • Keogh plans
  • Bonds (individually owned)
  • Bond mutual funds
  • Other investments
  • Precious metals
  • Vehicles
  • Furs, jewelry
  • Other assets
  • Cash-share draft/checking
  • Share certificates/CDs
  • U.S. savings bonds
  • Market value, other real estate
  • Annuities, surrender value
  • Profit sharing, vested equity
  • Individual retirement accounts
  • Stocks (individually owned)
  • Stock mutual funds
  • Real estate investment funds
  • Collectibles
  • Household furnishings
  • Boats, recreational vehicles
  • Loans owed to you


  • Mortgage balance(s)
  • Student loans
  • Other credit lines
  • Other bills
  • Vehicle loans
  • Home-equity credit line
  • Credit card bills
  • Total assets
  • Total liabilities
  • Net worth

Once you’ve determined your net worth, if the result is less than desirable, give us a call today at 800.405.6035 or complete our rate form to speak with one of our factoring specialists to learn how invoice factoring can positively impact your net worth.