Net Worth Calculator
List your assets and liabilities to calculate net worth with category totals.
Written by Golam Rabbani, Founder & Lead Engineer
How to use this net worth calculator
- List your assets in the green section (cash, investments, home value, vehicle).
- List your liabilities in the red section (mortgage, credit card balances, student loans).
- Use "+ Add row" to include anything not in the defaults; remove rows you do not need.
- Press Calculate to see total assets, total liabilities, and net worth.
- Copy the result to track changes month over month.
About this net worth calculator
The net worth calculator gives you a single snapshot of personal finances: everything you own minus everything you owe. Tracking it once a quarter is more meaningful than checking a single account balance because it captures both sides of the ledger — paying down a credit card and adding $1,000 to an investment account both push net worth up by exactly that amount.
Worked example: assets — $5,000 in checking, $42,000 in a retirement account, $310,000 home value, $14,000 car = $371,000. Liabilities — $245,000 mortgage, $1,800 credit card, $22,000 student loan = $268,800. Net worth = 371,000 − 268,800 = $102,200. Watching that number rise (or fall) over time is the cleanest measure of whether your financial decisions are moving you forward.
A common mistake is entering the original purchase price of a car or home instead of today's resale value. A car bought for $35,000 three years ago might be worth only $20,000 today — using purchase price overstates assets by $15,000 and flatters your net worth figure. Use realistic resale values for cars and homes, not original purchase prices. All math runs in the browser; nothing is uploaded or saved.
FAQ
- What counts as an asset?
- Anything you own that has resale value: cash and bank balances, investment accounts (brokerage, retirement, HSA), real estate at current market value, vehicles at trade-in value, and valuable personal property. Use today's realistic resale price, not original cost.
- What counts as a liability?
- Any money you owe: mortgage principal, car loans, student loans, credit card balances, personal loans, and unpaid taxes. Use current balances, not original loan amounts.
- Can my net worth be negative?
- Yes. If your liabilities exceed your assets — common for new graduates with student loans or homeowners early in a mortgage — net worth is negative. The goal is to track the trajectory over time and watch it move toward positive.
- How often should I update it?
- Quarterly is enough for most people. Monthly gives more signal but also more noise from market swings. Pick a cadence you can sustain.
- Does the tool save my numbers?
- No. Every calculation happens entirely in your browser. Your asset and liability figures are never sent to a server or stored — closing the tab clears them.