PLANNING · ON YOUR DEVICE
Net worth calculator
List what you own and what you owe in one place. A single snapshot you can repeat every few months.
EXAMPLE ESTIMATE
Your estimate
Enter your values and select Calculate.
Estimates use your assumptions. Calculations use unrounded values; displayed figures are rounded.
HOW IT WORKS
A useful estimate starts with clear inputs.
- Step 1
Enter the current value of what you own: savings, investments, retirement accounts, property and other assets.
- Step 2
Enter what you owe: mortgage, student, auto and card balances and any other debts.
- Step 3
Calculate to see your net worth, your debt ratio and which items drive the total.
Assets of 50,000 and debts of 20,000 give a net worth of 30,000.
Calculation assumptions and limits
A snapshot of the values you enter today, using one currency. Property and vehicle values are your own estimates and can change quickly. Taxes owed on retirement withdrawals, selling costs and money owed to you are not included.
Can I use this with my local currency?
Yes. All inputs in one calculation must use the same currency. The currency selector changes number formatting and labels; it does not look up exchange rates or convert your amounts. Local loan rules and products may calculate costs differently.
Are my numbers saved?
No. Your inputs and results stay in this page’s memory. Reloading or leaving clears them. Download the CSV or print the result if you want a copy.
Get one clear number for your financial position
Net worth is what you own minus what you owe. It is a snapshot, not a score, and it is most useful when you repeat it every few months and watch the direction.
Enter your savings, investments, retirement accounts, home value, vehicles and other assets, then your mortgage, student loans, auto loans, card balances and other debts. The calculator shows your net worth, total assets, total debts and the share of your assets that is financed by debt. Bars show which items make up each side.
Free to use. No sign-up required.
How to use this tool
- Enter the current value of each asset you own.
- Enter the balance of each debt you owe.
- Calculate to see net worth, debt ratio and the breakdown.
A practical example
Assets of 50,000 and debts of 20,000 give a net worth of 30,000.
Before you finish
Use realistic current values and one currency. Repeat every few months to track the trend.
What net worth shows, and what it does not
Net worth is a snapshot of your balance sheet. It does not show how much you earn or spend, and it can rise or fall with asset prices. Its value comes from repeating it with the same method: the direction over a year or more tells you more than any single figure.
Valuing assets realistically
Use prices you could realistically get today. For a home, look at recent sales of similar properties. For a vehicle, use a trade-in or private sale range. For retirement accounts, use the current balance and remember that tax may be due on withdrawals, which the calculator does not subtract.
Reading the debt ratio
The debt-to-asset ratio is total debts divided by total assets. A lower ratio means more of what you own is truly yours. It is normal for the ratio to be high with a new mortgage and to fall as you repay it. The calculator also compares cash and investments with your debts, because those are the assets you could use quickly.
Moving the number
Net worth rises when you save and invest, repay debt or when assets gain value. Paying off an expensive card helps immediately, because it is a guaranteed return equal to the card’s rate. Use the debt avalanche calculator to plan which debt to clear first.
Frequently asked questions
What should I count as an asset?
Count what you could sell or withdraw, at a realistic current value: cash, investments, retirement accounts, property, vehicles and valuables.
Is negative net worth bad?
It is common early in a career, especially with student loans or a new mortgage. What matters most is the trend over time.
How often should I recalculate?
Every three to six months is enough for most people. Use the same method each time so changes are comparable.
Should I include my home?
Yes, at a realistic market value, together with the mortgage you owe. The calculator also shows cash and investments separately because property is harder to turn into cash.
Are values saved?
No. Everything stays in this page’s memory. Download the CSV if you want a record to compare next time.
Can I track progress over time?
Download the CSV each time and keep the files together. The page itself does not store your numbers.