Net Worth Calculator
This net worth calculator works out exactly where you stand financially: list what you own, list what you owe, and it instantly shows your net worth, a financial health rating, and a chart of assets versus liabilities. It is built for anyone who wants a clear snapshot of their personal balance sheet without a spreadsheet.
Net worth is simply total assets minus total liabilities. Add cash, investments, retirement accounts, property, and vehicles on the assets side, then mortgages, loans, and credit card balances on the liabilities side. Use the preset category buttons for common entries or add custom items, and pick your own currency so the figures match your country.
How to Calculate Your Net Worth
Add your assets
Click a preset category — Cash & Savings, Investments, Retirement, Real Estate, Vehicles, or Other Assets — or tap Add Asset for a custom entry, then type the current value of each one.
Add your liabilities
Do the same for debts using presets like Mortgage, Student Loans, Auto Loans, Credit Cards, Personal Loans, and Other Debt, or add custom items. Enter the outstanding balance for each.
Read your results
Your net worth updates as you type. The summary shows Net Worth, Total Assets, and Total Liabilities, and the main card turns red whenever your net worth is negative.
Check your financial health
The Analysis section adds a doughnut chart, your debt-to-asset ratio, how many times your assets cover your debt, and a health rating from Excellent to Poor with a personalized tip.
Features
Assets & Liabilities Tracking
Add or remove as many assets and liabilities as you need, each with its own custom name and value.
Preset Categories
One-tap presets for cash, investments, retirement, real estate, vehicles, mortgage, loans, credit cards, and more.
Real-Time Calculation
Net worth and subtotals recalculate instantly as you type — there is no calculate button to press.
Debt-to-Asset Ratio
See what percentage of your assets is offset by debt, with thresholds from excellent under 20% to poor.
Assets Coverage Ratio
Shows how many times your assets can cover your total liabilities for an at-a-glance solvency check.
Financial Health Rating
A clear Excellent, Good, Fair, or Poor rating with a tailored tip based on your debt-to-asset ratio.
Visual Breakdown
A doughnut chart and legend show the proportion of assets versus liabilities in your overall position.
Multi-Currency Support
A built-in currency picker auto-detects your locale and formats every figure in your chosen currency.
Reset in One Click
Clear all assets and liabilities with a single Reset All button to start a fresh calculation.
Private & Responsive
Everything runs locally in the browser with no data sent anywhere, and the layout adapts to mobile and desktop.
Frequently Asked Questions
What is net worth?
Net worth is the difference between what you own and what you owe: Net Worth = Total Assets − Total Liabilities. A positive figure means your assets exceed your debts, while a negative one means you owe more than you own. Tracking it over time shows whether your finances are improving.
How do I calculate my net worth?
Add up the current value of everything you own, add up every debt you owe, then subtract the debts from the assets. This calculator does the math automatically — just enter each asset and liability and your net worth appears instantly.
What counts as an asset versus a liability?
Assets are things you own with monetary value: bank accounts, investments such as stocks and funds, retirement accounts, real estate at market value, vehicles at resale value, and valuable personal property. Liabilities are debts you owe: mortgage balance, student loans, auto loans, credit card balances, personal loans, and medical debt.
Should I include my home and mortgage?
Yes. Add your home at its current estimated market value as an asset, and add the remaining mortgage balance as a liability. The difference between the two is your home equity, which contributes to your net worth.
What is a good debt-to-asset ratio?
As a general guide, a debt-to-asset ratio below 20% is excellent, 20–50% is good, 50–80% is fair, and above 80% suggests your debt level may need attention. The ideal ratio depends on your age and financial goals.
Is a negative net worth bad?
Not necessarily. A negative net worth is common for young adults with student loans or recent buyers with large mortgages. What matters most is the trend — if your net worth is rising over time, you are moving in the right direction.
How often should I calculate my net worth?
Most financial advisors suggest checking your net worth every three to six months. That frequency lets you track real trends without overreacting to short-term market swings.
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