Everything is worked out in your browser and saved only on this device. Nothing you type is sent anywhere.
About the net worth calculator
Your net worth is a simple number: everything you own minus everything you owe. It is the best single picture of your money, because it counts savings, property, loans and cards together.
List your assets (what you own) and your debts (what you owe), and the calculator shows your net worth, your total assets, your total debts, and how much of what you own is owed.
Everything stays in your browser. Nothing you type is sent anywhere, so it is safe to use real numbers.
How to use it
- Under What I own (assets), type the value of each thing — or press a Quick add button for savings, investments, a retirement account, a home or a car
- Under What I owe (debts), add a mortgage, a car loan, a student loan or a credit card
- Change a name, or remove a line with the × button
- Read your net worth on the right. Come back every few months — your numbers are saved
What counts as an asset?
- Cash and savings — bank accounts, savings accounts
- Investments — stocks, funds, bonds
- Retirement accounts — 401(k), IRA, pension pots
- Property — the market value of your home, not what you paid
- A car — its current resale value, which is usually low
- Other things — a business share, valuable items you could sell
What counts as a debt?
- Mortgage — the amount you still owe
- Car loan, student loan, personal loans
- Credit card balances
- Any other money you owe
An example
| Assets | Amount | Debts | Amount |
|---|---|---|---|
| Cash and savings | $8,000 | Mortgage | $240,000 |
| Retirement account | $35,000 | Car loan | $6,000 |
| Car | $12,000 | Credit card | $2,500 |
| Home | $300,000 | ||
| Total | $355,000 | Total | $248,500 |
Net worth: $355,000 − $248,500 = $106,500. The debts are about 70% of the assets.
Is a negative net worth bad?
Not always. Young people with student loans and people with a new mortgage often start below zero. What matters is the direction: if your net worth grows over the years, you are doing something right. Check it every 3 or 6 months and write the result down.
How to grow your net worth
- Save more than you spend — see the Budget Calculator
- Pay off high-interest debt first — see the Debt Payoff Calculator
- Invest for the long term — see the Retirement Calculator
- Cut small leaks — see the Subscription Cost Calculator
Frequently asked questions
How do I calculate my net worth?
Add up everything you own (assets), add up everything you owe (debts), and subtract: assets − debts = net worth.
Should I include my home?
Yes, at its likely selling price, and the mortgage as a debt. Some people also look at their net worth without the home, to see their liquid money.
What about things like furniture and clothes?
Most people leave them out, because they are hard to sell for much. Add them only if you would really sell them.
How often should I check it?
Every 3 to 12 months is enough. Daily changes in markets are just noise.
Is my data safe?
Yes. The numbers are saved only in your browser on this device and are never sent to a server.
Is this financial advice?
No. It is a simple tool for a clear picture.
Good to know
- Works with any currency — choose it at the top
- Your numbers are saved only in this browser
- Nothing you type is sent anywhere
Related tools
- Budget Calculator — split your income
- Debt Payoff Calculator — get rid of debts
- Retirement Calculator — plan the long term
- Emergency Fund Calculator — the first safety step
- Savings Goal Calculator — save for a goal
