Free tool · no sign-up required
Net worth calculator
Add what you own. Subtract what you owe.
Get a clearer picture of where you stand today.
No account needed. Amounts stay in this page’s memory, are not sent to our server, and are cleared when you reload or reset. Blank fields count as zero. Use a decimal point and no thousands separators.
Understand your number
How to calculate your net worth
Net worth is the value of everything you own minus the money you owe. It brings savings, investments, property, and debt into a single view. See the CFPB’s explanation of a personal balance sheet (PDF, page 61).
Net worth = total assets − total debts
For example, assets of $360,000 and debts of $195,000 give you a net worth of $165,000. Your income is not an asset: include the money you have saved, not future paychecks.
Start with current balances
Use account balances and realistic resale values from roughly the same date. Include your share of jointly owned assets and debts. For a home, enter the full value of your ownership share as an asset and the remaining mortgage separately as a debt; entering home equity and the mortgage would count the debt twice.
Keep your approach consistent
Retirement account balances can count toward net worth, even when you cannot withdraw them today. This simple total does not deduct future taxes, selling costs, or withdrawal penalties. Use the same approach each month so comparisons stay useful.
Net worth questions, answered
What does a negative net worth mean?
It means your outstanding debts exceed the value of your assets. This can happen with student loans or early in a mortgage. Recording a starting point helps you see changes as you repay debt or build savings.
Is net worth the same as money available to spend?
No. A home, a business, and retirement accounts may count toward net worth without being readily available cash. Check your accessible savings separately when thinking about upcoming expenses.
What if I have accounts in different currencies?
Convert each balance into one chosen currency using a consistent exchange-rate date before entering it here. This calculator does not fetch exchange rates. The NetWorthOne demo shows how the full tracker handles portfolios with multiple currencies.
How often should I calculate net worth?
A monthly check-in is a practical rhythm. Use a similar date each month and expect market values to fluctuate. A series of snapshots is more informative than one isolated number.
Are my balances saved?
No. This calculator works in your browser and does not save or send your entries to our server. Copy your result before leaving if you want to keep it. The separate NetWorthOne tracker stores monthly snapshots in your account.
This calculator organizes the values you provide. It is an educational tool, not financial, tax, or investment advice.