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Net Worth Calculator

Your net worth is everything you own minus everything you owe. Enter your assets and debts below to see your net worth today, your debt-to-asset ratio, and how much of what you own is liquid. Run it again every month or quarter to see the trend, which matters more than any single number.

Assets

Cash & checking ($)Savings / emergency fund ($)Retirement accounts ($)Other investments ($)Home value ($)Vehicle value ($)Other assets ($)

Liabilities

Mortgage ($)Car loan ($)Student loans ($)Credit cards ($)Other debts ($)

Optional: net worth last time you checked ($)

Runs entirely in your browser. Nothing you type is sent or stored.

What counts as an asset?

An asset is anything you own that has a cash value. The most common ones are money in checking and savings accounts, retirement accounts, other investment accounts, the market value of your home, and the resale value of vehicles. Use what you could realistically sell something for today, not what you paid. For a car, a used-car pricing site gives a fair private-sale estimate. For a home, use a conservative recent valuation.

Personal belongings such as furniture, clothes and electronics are usually left out. They lose value quickly and are hard to sell for a meaningful amount, so including them tends to overstate net worth.

What counts as a liability?

A liability is any money you owe: mortgage balance, car loans, student loans, credit card balances (the full balance, not just the minimum), personal loans, buy-now-pay-later plans and money owed to family. Use the current payoff balance from your latest statement.

How to read your results

Net worth is simply total assets minus total liabilities. A negative number is common early in a career, especially with student loans, and is not a reason for alarm. What matters is the direction over time.

The debt-to-asset ratio shows what share of your assets is financed by debt. A falling ratio means you are building ownership. The liquid figure shows how much you could access quickly in an emergency, since a high net worth tied up entirely in a house can still leave you short of cash.

If you enter your previous net worth, the calculator shows the change. Comparing month to month or quarter to quarter turns net worth into a progress score: paying down a loan and adding to savings both push it up, even if your income stays the same.

How often should you track net worth?

Monthly is ideal if you like detail; quarterly is enough for most people. Pick a fixed day, such as the first of the month, and update the same accounts each time so the numbers are comparable. Short-term swings in investment values are normal. Look at the trend over a year or more.

Ways to grow net worth

Pay down high-interest debt. Every dollar of debt repaid increases net worth by a dollar.
Automate savings so they happen before spending.
Avoid financing items that lose value quickly.
Increase income through skills, side income or negotiating pay, and save a share of each raise.

Read more in our guide How to Track Net Worth Monthly.

Want this as a spreadsheet you can keep?

The Net Worth Tracker spreadsheet has one row per account and one column per month for all of 2027, with automatic totals, month-over-month change and a built-in chart.

Get the Net Worth Tracker

Works in Excel and Google Sheets · instant download via Gumroad

FAQ

How do I calculate my net worth?

Add up the current value of everything you own (assets) and subtract everything you owe (liabilities). The result is your net worth.

Should I include my home in net worth?

Yes, include its realistic market value as an asset and the mortgage balance as a liability. The difference is your home equity.

Is a negative net worth bad?

It is common for students and young professionals with loans. Focus on making it rise over time by paying down debt and saving.

Is my data private?

Yes. The calculator runs only in your browser; nothing is sent or saved.

This calculator is for general education and planning only. It is not financial, tax or legal advice. Check important decisions with a qualified professional.