Net Worth Calculator
Your net worth is everything you own minus everything you owe. Add your assets and liabilities below to see where you stand — all calculations happen instantly in your browser.
Nothing is saved or uploaded. Close the tab to clear all data.
Assets (what you own)
| Category | Value ($) |
|---|
Liabilities (what you owe)
| Category | Balance ($) |
|---|
How to Grow Your Net Worth
Two levers: assets up, liabilities down
- Pay down high-interest debt (credit cards, personal loans) — it directly reduces liabilities and saves you money in interest.
- Invest consistently — even small monthly contributions to a retirement account or index fund compound meaningfully over time.
- Increase home equity — each mortgage payment shifts principal from liability to implied asset equity.
Track it regularly
- Recalculate quarterly — markets move, balances change, and new debts or assets appear.
- Take screenshots or write it down each time to see the trend over years.
- If your net worth is going up even slowly, you're on the right track.
Related Tools
Debt Payoff Planner
Build a snowball or avalanche plan to eliminate liabilities faster and boost your net worth.
Plan payoff →Compound Interest & Savings Planner
Model how your investment assets grow with regular contributions and compound interest.
Project growth →50/30/20 Budget Calculator
Allocate income to needs, wants, and savings to accelerate net worth growth.
Build budget →FAQ
What is net worth?
Net worth = total assets − total liabilities. It's the single best snapshot of your financial position. Positive means your assets exceed debts; negative means you owe more than you own.
Should I include my home's full market value?
Yes — enter the current estimated market value as an asset, and the remaining mortgage balance as a liability. The difference is your home equity, which correctly contributes to net worth.
Should I include my car?
Yes. Enter the current market value (not purchase price) as an asset and any remaining auto loan balance as a liability. Cars depreciate, so this will likely show negative equity on a new vehicle.
Is a negative net worth bad?
Not necessarily, especially early in life. Student loans and mortgages are common reasons for negative net worth in your 20s and 30s. What matters most is the trend — is it improving? Use the Debt Payoff Planner to build a plan for reducing liabilities.
Is my data stored anywhere?
No. All data stays in your browser memory. Closing the tab clears everything.