Net Worth Calculator
Add your assets (savings, investments, property) and liabilities (mortgage, loans, credit cards) to calculate your total net worth with a visual breakdown.
How to calculate net worth
- List all your assets — cash, investments, real estate, retirement accounts, vehicles at realistic resale value.
- List all your liabilities — mortgage balance, credit cards, student loans, personal loans, any outstanding debt.
- The calculator subtracts liabilities from assets to give your current net worth.
- Revisit quarterly or after major life events (bought a house, paid off a loan) to track the trajectory over time.
Common use cases
- Establishing a baseline before starting a debt-payoff plan or a new savings goal.
- Tracking progress toward financial independence where net worth growth per year is the primary metric.
- Preparing for a mortgage or loan application where a lender asks for a current net worth statement.
- Evaluating whether a major purchase (home, car) materially changes your financial position.
Frequently asked questions
Should I include my primary home in net worth?
Yes. Use a conservative market value minus the outstanding mortgage. Some planners separate 'investable net worth' that excludes the home — useful when thinking about retirement withdrawals.
How should I value illiquid assets like private equity or art?
Use the most recent realistic sale comparable, not optimistic estimates. Illiquid assets are worth what a willing buyer pays — if there is no active market, mark them conservatively.
What is a healthy net worth for my age?
A common benchmark is 1× salary by 30, 3× by 40, 6× by 50. These are guides, not rules — high-cost cities and late career starters should adjust.
Is my data stored?
No. All calculations happen in your browser. Nothing is uploaded or saved on a server.
About net worth
Net worth = total assets minus total liabilities. It's the most important measure of financial health. Tracking it over time shows your progress toward financial goals.
- Add/remove assets and liabilities
- Visual donut chart breakdown
- Real-time net worth calculation
- Customizable item names
- Positive/negative color coding
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