Net Worth Calculator
List what you own and what you owe, in rough numbers. You get your total assets, total debts and net worth. It is all done in your browser, so your numbers stay yours.
Everything runs in your browser. Nothing you enter is sent anywhere.
How it works
Net worth = total assets − total debts. Blank lines count as $0.
Worked example
Cash $10,000 + retirement accounts $25,000 + home value $60,000 = $95,000 in assets. Car loans $12,000 + credit cards $3,000 = $15,000 in debts. Net worth: $95,000 − $15,000 = $80,000.
What this does not do
It does not compare you with anyone else, and a single number cannot say whether your finances are healthy. Values for homes and vehicles are estimates, and the calculator does not account for taxes or the cost of selling.
Frequently asked questions
What is net worth?
What you own (assets) minus what you owe (liabilities). If the result is negative, you owe more than you own, which is common for people with student loans or a recent home purchase.
Which values should I use for my home and car?
Your best estimate of what they could sell for today, not what you paid. Estimates are fine; the goal is a rough picture you can track over time.
Should I include my retirement accounts?
Most people do, since it is money you own. Remember it may not be easy to use before retirement. This calculator simply adds it in.
How often should I update it?
Once or twice a year is plenty for most people. What matters is the direction over time, not a single number.
Is my information private?
Yes. The math runs in your browser and nothing is sent anywhere. Your entries are saved only in your browser’s local storage so they are there when you return; clear site data to remove them. See the privacy policy.
What should I do if my net worth is negative?
It is a starting point, not a judgment. The debt avalanche and snowball calculators show how fast extra payments reduce what you owe, and the savings plan builds assets.