Net Worth Calculator 🔒 Your data never leaves your browser.
Calculate your net worth from a list of assets and liabilities.
Assets
What you own — cash, property, investments, vehicles, and more.
Liabilities
What you owe — mortgages, loans, credit cards, and more.
About this tool
Your net worth is the simplest measure of where you stand financially: everything you own (your assets) minus everything you owe (your liabilities). Assets include cash and savings, the market value of your home, retirement and investment accounts, vehicles, and anything else with resale value. Liabilities include your mortgage balance, student loans, car loans, and credit card debt — anything you're still paying off. Add an item to each list below with the current amount, and this calculator totals both sides and shows the difference instantly, entirely in your browser.
A single net worth number is useful, but it's most powerful as a trend. Calculating it once a month or once a quarter — using the same categories each time — turns a static snapshot into a picture of whether your finances are actually moving in the right direction, regardless of month-to-month swings in any one account. Paying down a loan, building an emergency fund, or watching a mortgage balance shrink all show up here, often before they'd be obvious anywhere else — which is what makes tracking net worth over time a genuinely useful personal-finance habit rather than a one-off exercise.
Frequently asked questions
Should I include my car or other depreciating items as an asset?
Most personal finance approaches say yes, but at current resale value rather than what you paid for it — a car is a real asset with real market value, it just isn't a GROWING one like an investment. Some people prefer to exclude heavily depreciating items entirely to focus on liquid/investable net worth; either approach is valid as long as you're consistent about it each time you recalculate, since consistency is what makes tracking net worth over time meaningful.