Net Worth Calculator
Add what you own, subtract what you owe, and see your net worth in one simple ledger.
Assets (what you own)
Total assets: $0
Liabilities (what you owe)
Total liabilities: $0
Your net worth
$0
This calculator runs entirely in your browser. Nothing you enter is uploaded or stored anywhere.
How to use this tool
- Under Assets, list everything you own and its current value: cash and checking, savings, investments, retirement accounts, the market value of your home, and your car.
- Under Liabilities, list everything you owe: a mortgage, auto loans, student loans, and credit card balances.
- Use the Add asset or Add liability buttons to create as many rows as you need.
- The totals and your net worth update as you type. Copy the summary or download the ledger to save it.
The formula: assets minus liabilities
Net worth is one of the clearest snapshots of your financial health, and the math behind this assets minus liabilities sheet is simple.
If you own more than you owe, your net worth is positive. If your debts are larger than what you own, it is negative, which is common early in adult life when student loans or a new mortgage are large. The goal over time is to grow assets and shrink liabilities so the number trends upward.
A real example
Imagine a household with these assets: 8,000 dollars in cash and savings, 45,000 in investments and retirement, a home worth 320,000, and a car worth 18,000. That is 391,000 dollars in total assets. Now the liabilities: a 250,000 mortgage, a 12,000 auto loan, and 4,000 in credit card balances, for 266,000 in total liabilities. The net worth is 391,000 minus 266,000, which equals 125,000 dollars.
Common questions
What counts as an asset versus a liability?
An asset is anything you own that has value, such as cash, investments, a home, or a vehicle. A liability is money you owe, such as a mortgage, car loan, student loan, or credit card balance.
Can my net worth be negative?
Yes. If your total liabilities are larger than your total assets, your net worth is negative. This is normal for people early in their careers with student loans or a recent mortgage, and it usually improves as debts are paid down.
Should I use the market value or purchase price of my home?
Use the current market value, which is what you could realistically sell it for today, not the original price you paid. The same applies to a car or other items that change in value over time.
Is my data saved or sent anywhere?
No. This is a simple net worth ledger that runs only in your browser. The figures you enter are never uploaded to a server, so you can track personal wealth online privately.
Is this financial advice?
No. This tool gives an educational estimate of your net worth based on the values you enter. It is not professional financial advice. For decisions about investing, debt, or planning, speak with a qualified financial advisor.