Net Worth Calculator
Everything you own minus everything you owe — your financial snapshot in one number.
Net worth is the simplest honest measure of financial progress: everything you own minus everything you owe. Income tells you how fast money arrives; net worth tells you how much of it you have kept.
How to use
- List what you own: bank accounts, investments, your home and car at realistic resale values.
- List what you owe: mortgage, card balances, car and student loans — remaining balances, not original amounts.
- Add or remove rows to match your life. Totals and your net worth update as you type.
- Repeat every few months and compare — the trend is the useful part.
About this tool
Two judgement calls matter. Value assets at what they would realistically sell for — not what you paid, and not an optimistic guess. And use current balances for debts, including the mortgage, not the amounts you originally borrowed.
Your figures are typed into your browser and stay there. Nothing is uploaded, stored or shared.
How it works
Net worth = total assets − total liabilities. That is the entire formula — the craft is in honest inputs: current resale values for what you own, current payoff balances for what you owe.
Worked examples
The default example above: Assets: $12,000 cash + $35,000 investments + $320,000 home + $18,000 car = $385,000. Liabilities: $245,000 mortgage + $4,200 cards + $14,500 car loan + $21,000 student loans = $284,700. Net worth = 385,000 − 284,700 = $100,300.
Frequently asked questions
Should my home count as an asset?
Yes, at its realistic market value — and the mortgage against it counts as a liability. Some people also track a version without the home to see their purely financial position.
What about everyday stuff — furniture, electronics, clothes?
Most people leave them out: resale value is low and estimating it adds noise. Include anything genuinely valuable that you could sell, like a car or jewellery.
Is a negative net worth bad?
It is a starting point, not a grade. Many graduates start negative because of student loans. What matters is that the number rises over time as debts shrink and assets grow.
How often should I recalculate?
Every three to six months is plenty. More often and you are mostly watching market noise.
Is my data sent anywhere?
No. Every calculation runs in your browser. Nothing you type ever leaves your device.
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