Net Worth Calculator
Net Worth
$20,000
Assets $40,000 − Liabilities $20,000
Assets Liabilities
$40,000 $20,000
Assets
$40,000Liabilities
$20,000About
The Net Worth Calculator helps you measure your financial health by totalling all your assets and subtracting all your liabilities. Assets include cash and savings, investment accounts, retirement funds, real estate value, and personal property. Liabilities include mortgages, car loans, student loans, credit card balances, and other debts. Your net worth is the difference — positive means you own more than you owe. Tracking net worth over time is one of the most reliable indicators of long-term financial progress.
How to use
- 1 Add your assets in the Assets section — enter a name and value for each item.
- 2 Add your liabilities in the Liabilities section — enter a name and balance for each debt.
- 3 The net worth (Assets − Liabilities) updates instantly at the top.
- 4 Use the + button to add more rows; click × to remove a row.
- 5 All data stays in your browser — nothing is saved or sent anywhere.
- What counts as an asset in net worth calculation?
- Assets are everything you own that has monetary value: cash and bank balances, savings accounts, investment accounts (stocks, mutual funds, ETFs), retirement accounts (EPF, PPF, 401k, IRA), real estate market value, vehicle value, business ownership stakes, jewelry, and any other valuable property. Use current market value, not purchase price — your home is worth what it would sell for today, not what you paid.
- What counts as a liability?
- Liabilities are all your outstanding debts and financial obligations: mortgage balance (not the home value — that is the asset), car loan balance, student loans, personal loans, credit card balances, medical debt, and any other money you owe. Include only the outstanding balance — minimum monthly payments are not liabilities themselves, only the total amount owed is.
- What is a good net worth?
- A popular rule of thumb is: target net worth = (age × annual pre-tax income) ÷ 10. For example, a 35-year-old earning $80,000 should aim for a net worth of $280,000. However, net worth varies enormously by age, income, country, and life stage. More important than hitting a specific number is the trend — a net worth that grows consistently each year indicates healthy financial progress.