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Net Worth Calculator
Add up your assets and liabilities to see your real net worth — privately, in your browser.
What is net worth?
Net worth is the simplest, most honest single number in personal finance: everything you own minus everything you owe. Income tells you how much you make; net worth tells you how much you've kept. Banks, lenders, and financial advisors use it as the headline measure of financial health, and tracking it over time turns the abstract idea of "making progress" into a concrete trend line. The math is trivial — subtraction — but the discipline of sitting down and listing every account, every loan, every realistic asset value is what gives the number its weight. Most people are surprised both ways: the equity in a home or retirement account they hadn't thought about in years can swing the result tens of thousands of dollars upward, while a forgotten credit balance or a true mark-to-market on a depreciating car can push it the other way. This calculator runs entirely in your browser — none of the numbers you type are sent anywhere, stored anywhere, or shared with us. You can close the tab and the data is gone. Run it once a quarter to see the trajectory; even a small consistent gain compounds powerfully over a decade.
How to use it
- List your assets — Start with cash and checking, then investments, retirement accounts, the realistic resale value of vehicles, and the current market value of any real estate. Skip items you wouldn't actually liquidate (sentimental jewelry, household goods).
- List your liabilities — Use current balances, not original amounts: the remaining mortgage principal, car loan balance, student loan balance, and any revolving debt (credit cards, personal lines).
- Add custom rows if needed — Use the "Add asset" and "Add liability" buttons for anything that doesn't fit the presets — business equity, crypto holdings, side-business income, family loans owed.
- Track it over time — Take a screenshot or note the result. Re-run quarterly. The line is what matters — not any single snapshot.
The math
Net worth is the difference between total assets and total liabilities. Both must be marked at current value, not original cost.
Net Worth = Total Assets − Total Liabilities
The debt-to-asset ratio shown in the result is liabilities ÷ assets. Below 30% is generally considered healthy; above 60% is a sign to focus on debt reduction.
What's a "good" net worth?
There's no universal answer — it depends on age, income, country, and life stage. A common US benchmark is to aim for a net worth equal to your annual income by age 30, three times your annual income by 40, and ten times by retirement. These are guidelines, not rules. The trajectory matters far more than any single milestone: as long as the line trends up year over year, you're winning.