Net Worth Calculator
Calculate your net worth from assets and debts — cash, investments, home, retirement, and loans — entirely in your browser, instantly and privately.
Assets and debts are totaled in your browser — your full financial picture stays on your device.Try: Cash & savings=15000, Investment accounts=40000, Home value=320000, Retirement accounts (401k/IRA)=60000, Vehicle value=18000, Other assets=5000, Mortgage balance=250000, Auto loan=8000, Credit card debt=2000, Student loan=15000, Other debt=0, Your age (for percentile)=35 → $458,000, $275,000, $183,000, $70,000, $53,000, 60.0%
How to use
List what you own on the left and what you owe on the right, then press Calculate. Everything runs in your browser — nothing is uploaded. You’ll see total assets, total debts, your net worth, your home equity, your liquid net worth, and your debt-to-asset ratio.
A net worth is just a snapshot: assets minus liabilities on one day. The useful part is watching the number move year after year. A negative result is normal for many young households with student loans.
FAQ
What counts as an asset when calculating net worth?
Anything you own that has value: cash, checking and savings, brokerage and retirement accounts, the equity in your home, cars, and other property. If you can sell it or borrow against it, it usually counts.
What counts as a liability?
Any debt you owe: mortgage balances, auto loans, credit cards, student loans, personal loans, and tax you haven’t paid yet. Net worth is assets minus all of those.
Why is my liquid net worth lower than my net worth?
Liquid net worth leaves out things that are hard to turn into cash quickly — mainly your home and retirement accounts. Those are real wealth, but you can’t spend them tomorrow without selling or taking a penalty.
Is a negative net worth bad?
Not necessarily. Many people in their 20s or in school have a negative net worth from student loans. What matters is the trend over time and whether the debt funds something that grows in value, like education or a home.
How often should I calculate my net worth?
Once or twice a year is plenty for most households. It’s a scoreboard, not a daily tracker — you want to see the long-run direction, not month-to-month noise.