Net Worth Calculator

Add up what you own, subtract what you owe, and watch your net worth update live as you type — nothing you enter ever leaves your browser.

📖 How it works & FAQ

What you own (assets)

Cash & savings ($)

Investments & retirement ($)

Home value ($)

Vehicles ($)

Other assets ($)

What you owe (liabilities)

Mortgage balance ($)

Loans — student, auto, personal ($)

Credit card balances ($)

Other debts ($)

What net worth actually measures

Net worth is the simplest honest snapshot of your finances: everything you own minus everything you owe. Income tells you how fast money flows in; net worth tells you whether any of it is sticking. Two people earning the same salary can have wildly different net worths depending on savings habits, debt, and time in the market — which is why this single number is the one most financial planners track first.

Own vs. owe: what counts

Assets are things with real resale value: cash and savings, brokerage and retirement accounts, your home at today’s market value, vehicles, and anything sellable like crypto or collectibles. Liabilities are balances you still owe: the mortgage, student and auto loans, credit cards, and personal or medical debts. A common mistake is netting these out early — enter your home’s full value as an asset and the remaining mortgage as a separate debt, and let the calculator do the subtraction. The breakdown below the totals shows which categories dominate each side, and the debt-to-asset percentage gives a quick read on leverage.

How to use it

Fill in the asset fields with realistic values — what things would sell for today, not what you paid.
Click + Add another asset for anything without a field, like crypto, jewelry, or a small business.
Enter your current debt balances, adding custom rows for anything unusual.
Read the three result cards — they update live as you type — and scan the breakdown to see where your money is concentrated.

All figures are rough estimates for planning only — not financial, tax, insurance, or legal advice.

FAQ

Is a negative net worth bad?: It’s very common early on — a fresh mortgage or student loans can outweigh young savings. The trend matters far more than the snapshot: recalculate every few months and watch the direction.
Should I include my home and car?: Yes, at realistic resale value, with their loans listed as debts. Some people also run a “liquid” version that excludes them — just zero those fields to compare.
How often should I update it?: Monthly or quarterly is plenty. More often than that and normal market wiggles drown out the real signal, which is your saving and debt-payoff pace.
Is anything I type saved or sent anywhere?: No. The math runs entirely in your browser, nothing is uploaded, and your numbers disappear when you close the tab.