Why Use This Net Worth Calculator
Tracking your net worth is one of the best ways to measure your financial progress. This net worth tracker helps you:
- 💰 Calculate Your Net Worth — see your total assets and liabilities.
- 📊 Understand Your Financial Health — see your net worth category.
- 📈 Track Progress Over Time — use history to monitor changes.
- 📉 See Your Debt-to-Asset Ratio — understand your leverage.
- 📊 Visualize Your Finances — see asset and liability breakdown charts.
- 📜 Track Your History — save, review, and export past calculations.
- 🔒 100% Private — all calculations run locally.
How Net Worth Is Calculated
Net Worth = Total Assets − Total Liabilities
Where: - Assets = Cash + Investments + Retirement + Real Estate + Vehicles + Other Assets - Liabilities = Mortgage + Credit Card Debt + Auto Loans + Student Loans + Personal Loans + Other Liabilities
Debt-to-Asset Ratio = (Total Liabilities ÷ Total Assets) × 100
How to Use This Net Worth Tracker
- Select your account currency from the picker in the site header.
- Enter your assets:
- Cash & Savings
- Investments
- Retirement Accounts
- Real Estate Value
- Vehicle Value
- Other Assets
- Enter your liabilities:
- Mortgage Balance
- Credit Card Debt
- Auto Loans
- Student Loans
- Personal Loans
- Other Liabilities
- View your results instantly — see your total assets, total liabilities, net worth, and net worth category.
Frequently Asked Questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It’s a measure of your overall financial health.
How is net worth calculated?
Net Worth = Total Assets − Total Liabilities. A positive net worth means you own more than you owe. A negative net worth means you owe more than you own.
What counts as an asset?
Assets include cash, savings, investments, retirement accounts, real estate, vehicles, and anything else of value that you own.
What counts as a liability?
Liabilities include mortgages, credit card debt, auto loans, student loans, personal loans, and any other debts you owe.
What is a good net worth?
A good net worth depends on your age, income, and financial goals. Generally, a positive and growing net worth is a sign of good financial health.