Net Worth Calculator

How to Calculate Your Net Worth

Your net worth is the single most important number in personal finance. Unlike your salary, which just tells you how much money you earn, your net worth tells you exactly how much wealth you actually get to keep. The calculation is dead simple: Assets minus Liabilities.

How to Use This Calculator

We built this net worth calculator to be completely dynamic and real-time. As you adjust your assets and debts, your net worth updates instantly at the top of the screen. You don't even need to press a calculate button! We've pre-filled the most common financial items, but you can securely add, rename, and delete rows to perfectly match your specific lifestyle.

Best of all? If you accidentally close your browser, your data is securely stored locally on your device via Guest Storage, meaning it will be waiting for you precisely where you left off when you return. No account login is required!

What Should You Include?

Assets (What You Own)

• Cash & Equivalents: Checking accounts, savings accounts, emergency funds, and physical cash.
• Investments: Brokerage accounts, mutual funds, index funds, bonds, and crypto.
• Retirement Accounts: 401(k) / IRA (for US readers), or NSSF / Pension Schemes.
• Hard Assets: Real estate property values (estimate conservative market value), vehicles, valuable jewelry, and business equity.

Liabilities (What You Owe)

• Secured Debt: Your home mortgage or properties' outstanding balances. Any vehicle/auto loans.
• Unsecured Debt: Credit card balances, personal loans, and student loans.
• Other Debt: Any outstanding tax liabilities, medical debt, or money owed to individuals.

Tips for Growing Your Net Worth

A negative net worth is incredibly common for young professionals (usually due to student loans or a recent mortgage). The goal isn't to look perfect today, but to ensure your net worth trajectory points decisively upwards year over year. Use this calculator quarterly to run a rapid financial checkup. To increase your net worth over time, you simply need to increase cash flow, invest your spare capital to acquire compounding assets, and systematically pay down your high-interest liabilities.