Net Worth Calculator
Get a clear snapshot of your financial position: assets minus liabilities. Enter your balances and see net worth instantly.
Methodology: deterministic formulas based on your inputs only. No account data, no external rates, and no personalized advice.
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Note: Saved scenarios are stored locally in your browser.
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Chart
Bars compare total assets, total liabilities (shown below zero), and net worth.
Breakdown
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How it works
Net worth is computed as total assets minus total liabilities. Assets include cash, investments, and property value. Liabilities include mortgage and other debts.
This is a snapshot tool. For long-term progress, compare exported snapshots over time.
What to include for accurate tracking
Include assets you could reasonably value today, such as cash balances, investment accounts, and estimated property value. For liabilities, include outstanding balances that would still be owed if you sold assets.
Consistency matters more than perfect precision. Using the same valuation approach each month makes trend analysis far more useful.
How to read assets, liabilities, and debt ratio
Total assets shows what you own, while Total liabilities shows what you owe. Net worth is the difference between the two.
The debt ratio helps flag leverage risk: a higher ratio means liabilities represent a larger share of assets, which can reduce financial flexibility.
A practical monthly review routine
Capture one snapshot at the same time each month, export the data, and compare changes in three buckets: asset growth, debt payoff, and market movement.
This approach keeps the tool actionable and helps you separate temporary volatility from long-term financial progress.
Frequently asked questions
How is net worth calculated?
Net worth = total assets - total liabilities.
Should mortgage be included?
Yes. Mortgage balance is a liability and should be subtracted.
Can this replace a full financial planner?
No. This is a practical baseline calculator for quick personal finance snapshots.