Net Worth Calculator
Track your assets and liabilities to calculate your total net worth. Monitor financial progress and set wealth goals.
📈 Assets
Cash & Savings
Investments
Property
📉 Liabilities
Mortgages & Loans
Credit Card Debt
Your Net Worth
Wealth Breakdown
About Net Worth Calculator
A net worth statement is assets minus liabilities, and this calculator builds one line by line: checking, savings and cash on hand; 401(k), IRA, stocks and crypto; a home, vehicle and other property; then mortgages, car and student loans, credit cards, medical and other debt. Each row can be renamed to match your own accounts. Alongside the total it shows your debt-to-asset ratio and how much of your wealth is liquid rather than invested, and all of it stays in your browser.
Use Cases
How to use
In the Assets column, enter dollar amounts under Cash & Savings for Checking Account, Savings Account and Cash on Hand. Type over any name to rename that line.
Fill the Investments rows for 401(k), IRA, Stocks/Bonds and Cryptocurrency, then the Property rows for Primary Home, Vehicle and Other Property.
In the Liabilities column, enter what you still owe under Mortgages & Loans: Mortgage, Car Loan, Student Loans and Personal Loan.
Enter your Credit Card Debt balances for Credit Card 1, Credit Card 2, Medical Debt and Other Debt.
Read the Your Net Worth banner, which turns green when positive and red when negative, along with Total Assets and Total Liabilities.
Check Wealth Breakdown for your Debt to Asset Ratio bar plus the Liquid Assets and Invested Assets percentages.
Pro Tips
- Enter your values carefully — small differences in inputs can lead to large changes in the Net Worth Calculator result, especially for long time periods.
- Use the Net Worth Calculator to compare multiple scenarios side by side. Open the tool in several tabs to see how different assumptions impact your outcome.
- Bookmark this Net Worth Calculator and return whenever your situation changes — small updates in income, rates, or expenses are easy to recompute.
- Export or copy the result before closing the tab. Since the Net Worth Calculator stores no data server-side, your inputs reset when you navigate away.
- Combine this Net Worth Calculator with our other financial tools (loan, tax, budget calculators) for a more complete financial picture.
Frequently Asked Questions
Yes. The Net Worth Calculator is 100% free, with no signup, no paywall, no limits, and no watermarks on results. You can use it as often as you need.
No. The Net Worth Calculator runs entirely in your browser. Your inputs stay on your device and are never transmitted to our servers, guaranteeing privacy.
The Net Worth Calculator uses industry-standard formulas and returns mathematically precise results based on the inputs you provide. Always verify with a professional advisor for major decisions.
Yes. The Net Worth Calculator is fully responsive and works on iOS, Android, and all modern mobile browsers with no app install required.
After the initial page load, most calculations run offline because the logic runs in JavaScript on your device. If you lose connection mid-session, you can usually keep calculating.
While the Net Worth Calculator provides accurate computations, it does not replace professional advice. For tax, legal, medical, or major investment decisions, consult a certified advisor.