Net Worth Calculator
Add up what you own and what you owe to see your net worth. Nothing you type is saved or sent anywhere. It runs in your browser.
Also searched as: personal net worth calculator · assets and liabilities calculator · calculate my net worth · net worth statement
Updated November 9, 2026
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How to use it
- 1
Enter your assets
Add savings, investments, retirement accounts, property and vehicles.
- 2
Enter your debts
Add your mortgage, loans and credit cards.
- 3
Read your net worth
See your net worth and your debts as a share of your assets.
Questions about net worth calculator
What counts as an asset?
Anything you own that could be sold for money: savings, investments, retirement accounts, property and vehicles.
What value should I use for my home?
Use what it would sell for today, not what you paid.
Is my information saved?
No. It stays on your device and is gone when you close the page.
What the calculator adds up
Net worth is everything you own minus everything you owe. The tool starts with example figures: 485,000 of assets, made up of savings, investments, retirement accounts, a home, vehicles and other things, against 270,000 of debts, such as a mortgage, car and student loans and cards. That gives a net worth of 215,000, and debts equal to 55.67% of assets.
| Item | Amount |
|---|---|
| Total assets | 485,000 |
| Total debts | 270,000 |
| Net worth | 215,000 |
What to count
Value each asset at what you could sell it for today, not what you paid. That matters most for a home and a car. Leave out things that are hard to sell, such as everyday furniture and clothes, unless they are valuable.
Include every debt, even small ones. Net worth can be negative, which is common early in a career when student loans and a new mortgage come before savings. Checking at the same time each year, with the same method, shows your progress better than any single figure. Nothing you type is saved or sent anywhere.
Reading the result
The example shows why the mix matters. The home is 72.16% of the assets, so most of the net worth cannot be spent without selling it. Savings and investments, which are easy to reach, are much smaller than the total.
To raise your net worth, either grow what you own or pay down what you owe. Paying off a debt with a high interest rate is like earning a return equal to that rate, which is why the Debt Payoff Calculator on this site is a good next step.