Net Worth Calculator

What net worth actually measures

Everything you own, minus everything you owe. It is the single number that moves when either side changes, which is why it is worth tracking even when income is steady — paying down a loan and saving the same amount move it identically.

A negative net worth is common and is not a verdict. A recent graduate with student debt and a new car usually has one, and the number climbing is what matters more than the sign.

What counts on each side

• Assets: cash and savings, investments and pensions, property at what it would sell for today, vehicles, anything else you could realistically sell.
• Liabilities: mortgage, student loans, credit-card balances, car finance, anything else owed.

Value property and vehicles at what someone would pay you today, not what you paid. Optimistic valuations are the most common way a net-worth figure stops being useful.

Frequently asked questions

Does this save or send my figures anywhere?

No. The arithmetic runs in your browser, the page has no account and no storage, and nothing you type is transmitted to us. Close the tab and the figures are gone — which also means there is nothing to come back to, so write down the total if you want to compare it next month.

How often should I check it?

Monthly or quarterly is plenty. Net worth moves slowly, and checking it weekly mostly measures the stock market rather than anything you decided.