Net Worth Calculator
See what you own minus what you owe.
How to use
- 1 List your assets and their current values.
- 2 List your liabilities and outstanding balances.
- 3 Add or remove rows to match your finances.
- 4 Read your net worth and debt-to-asset ratio, then copy the summary.
About Net Worth Calculator
The Net Worth Calculator gives you a clear snapshot of your financial position by subtracting everything you owe from everything you own.
List your assets — cash and savings, investments, property, vehicles, and anything else of value — and your liabilities, such as mortgages, car loans, student debt and credit-card balances.
The tool totals each side and reports your net worth in real time as you type.
Every line is editable: rename items, change amounts, and add or remove rows so the breakdown reflects your actual situation rather than a fixed template.
Alongside the headline figure you get a debt-to-asset ratio, a quick health indicator showing what share of your assets is financed by debt; a lower percentage generally means a stronger balance sheet.
Net worth can be negative — common early in a career or after a large loan — and the calculator handles that honestly instead of hiding it.
Tracking the number over time is one of the simplest ways to see whether your finances are moving in the right direction.
Because all of it runs locally in your browser, your figures are never uploaded, logged or stored anywhere, making it safe to use with sensitive personal numbers, and it works offline once loaded.
FAQ
What counts as an asset versus a liability?
Assets are things you own with value — cash, investments, property, vehicles. Liabilities are what you owe — loans, mortgages and credit-card balances. Enter debts as positive liabilities, not negative assets.
Can my net worth be negative?
Yes. If your liabilities exceed your assets the result is negative, which is normal in some situations such as a new mortgage or student loans.