Net Worth Calculator
Calculate your net worth: assets minus liabilities.
All calculations happen locally in your browser — nothing is uploaded, stored or tracked.
Add your assets
Current value by category.
Add your liabilities
Outstanding balances.
Read your net worth
Plus the liabilities-to-assets ratio.
What Is Net Worth?
Net worth is the snapshot of your financial position: everything you own (assets) minus everything you owe (liabilities). It is the number that grows as you save, invest and pay down debt.
Add assets by category — cash, investments, property, vehicles, valuables — and liabilities — mortgages, loans, credit cards. The calculator totals both sides and shows the difference, plus the ratio of liabilities to assets.
The Formula
Use realistic current values: what you could sell assets for today, and the current outstanding balance of debts — not the original loan amounts.
Your data never leaves your device.
Every calculation on this site runs in your browser using vanilla JavaScript. Nothing is uploaded, stored or tracked.
- 100% local, client-side calculations
- No data stored on any server
- No tracking, no analytics, no ads scripts
- Works offline once loaded
Frequently Asked Questions
How do I calculate my net worth?
Add up everything you own, subtract everything you owe. This calculator does it with category breakdowns.
What counts as an asset?
Cash, savings, investments, retirement accounts, property, vehicles and other valuables at their current market value.
What counts as a liability?
Any outstanding debt: mortgages, car loans, student loans, credit card balances and personal loans.
How often should I calculate net worth?
Many people track it quarterly or annually to see long-term progress.
Is a negative net worth bad?
It is common early in life (student loans, first mortgage). The trend matters more than any single snapshot.