Net Worth Calculator — Track Your Assets and Liabilities
Add your assets and liabilities to calculate your total net worth with a visual breakdown. All calculations happen locally — nothing leaves your browser.
How to Use the Net Worth Calculator
- Add assets — list everything you own: cash, investments, real estate, vehicles, etc.
- Add liabilities — list everything you owe: mortgage, loans, credit cards, etc.
- Review totals — see your total assets, total liabilities, and resulting net worth.
- Check the ratio — debt-to-asset ratio shows what percentage of your assets are financed by debt.
Understanding Net Worth
Net worth is the single best snapshot of your financial health. It's calculated by subtracting what you owe from what you own. Tracking net worth over time shows whether you're building wealth or accumulating debt. Aim to grow your net worth consistently by increasing assets, reducing debt, or both.
Frequently Asked Questions
Assets include anything of value you own: cash and savings, investment accounts (stocks, bonds, retirement funds), real estate equity, vehicles, valuable collectibles, and business ownership. Use current market values, not purchase prices.
Liabilities include all debts and financial obligations: mortgages, auto loans, student loans, credit card balances, personal loans, and any other outstanding debts. Use the current balance owed, not the original loan amount.
Calculating quarterly or annually is sufficient for most people. Frequent checks can be motivating if you're making progress, but don't obsess over short-term fluctuations. The goal is to see a positive long-term trend.
Use Cases
Financial Health Check
Get a clear snapshot of your overall financial position at any point in time.
Debt Reduction Planning
See how paying down liabilities impacts your overall net worth and financial standing.
Wealth Tracking
Monitor your net worth over time to ensure you're building wealth consistently.
Major Life Decisions
Evaluate whether you can afford major purchases like a home or car based on your net worth.