Net Worth Calculator
Enter what you own and what you owe. See your net worth, how heavy your debts are compared with your assets, and the change since your last check. No sign-up, no email.
Want it on paper or in a spreadsheet?
A single number is a snapshot. A tracker shows the line moving, quarter after quarter.
- Net worth tracker spreadsheet, quarterly with chart
- Annual budget spreadsheet, 12 month plan and actual
How net worth is calculated
Add up what you own, add up what you owe, subtract. The result is a snapshot of one day, so the useful number is how it moves.
What counts as an asset
Cash, savings, investments, retirement accounts, the market value of a home and vehicles you could sell, and other things of real value. Leave out everyday items like furniture unless you would sell them.
Check it on a schedule
Once a quarter is enough. Type last quarter's result in the compare box to see the change in dollars and percent.
Questions people ask
How do I calculate my net worth?
Add up everything you own, add up everything you owe, and subtract the debts from the assets. This calculator does it as you type.
Can net worth be negative?
Yes. If your debts are larger than your assets, the result is negative. This is common early in a career, especially with student loans.
Should I include my home?
Include its current market value as an asset and the mortgage as a debt. Many people also look at the number without the home to see their liquid position.
How often should I check my net worth?
Once a quarter works for most people. Weekly checks mostly show market noise.
Is my data saved or sent anywhere?
No. The calculation runs in your browser. Nothing is stored or sent, and the share image is drawn on your device from the result only.