What is Net Worth Calculator?

List your assets and liabilities to see your net worth. The breakdown shows how your money splits across categories like cash, investments, property, and debts.

Add as many asset and liability lines as you need, each with a custom label and amount. The tool keeps a running total and shows the asset-to-debt ratio along with a category breakdown, so you can see at a glance whether your wealth sits in property, investments, or cash. Your entries save to your device only.

How to use

1. Add your assets: cash, savings, investments, real estate, vehicles, and other valuable items with their current values.
2. Add your liabilities: mortgage, car loans, student loans, credit card balances, and other debts.
3. Review your net worth summary with asset-to-debt ratio, category breakdown chart, and export the report.

When to use

• Doing a yearly financial check-up to see if your net worth grew or shrank.
• Preparing a loan application that asks for a personal balance sheet.
• Splitting marital assets or planning an estate, where every line item matters.

Result

Home worth $350,000 + $45,000 savings + $120,000 investments minus $220,000 mortgage minus $15,000 car loan = $280,000 net worth.

FAQ

Should I list my home at purchase price or current market value?

Use current market value. Net worth tracks what you'd have today if you sold and paid off the mortgage. Check a recent comparable sale or a property portal estimate, then enter the mortgage balance separately under liabilities.

Do I include my retirement account if I can't touch it for 20 years?

Yes. A 401(k), IRA, or pension is still your money, just illiquid. Enter the current balance under investments. Some people prefer two totals — liquid net worth and total net worth — and you can do that by tracking the spreadsheet export separately.

Are credit card balances a liability if I pay them off every month?

Only the unpaid balance on statement day counts. If you pay in full, it nets to zero. If you carry a balance, list whatever you currently owe — that's a real debt accruing interest.

What's a healthy asset-to-debt ratio?

There's no universal number. Young professionals with student loans often run a ratio below 1.5; people in their 50s aim for 5 or higher. The trend matters more than the absolute value — recalculate every six months and watch the direction.

Is my data saved anywhere I should worry about?

Entries stay in your device's local storage. Nothing is uploaded, no account required. Clear your site data or use the reset button to wipe the values.

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