Net Worth Calculator
Add up what you own and subtract what you owe to see your net worth instantly. Everything stays in your browser, no account, no bank login, no data leaves this page.
Total assets
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Total liabilities
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Net worth
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Assets vs. liabilities
Enter a few values above to see your breakdown.
What net worth is
Your net worth is the single clearest measure of your financial position. The formula is simple: Net Worth = Assets − Liabilities. Assets are everything you own that has value, cash, investments, retirement accounts, property, a car, crypto. Liabilities are everything you owe, a mortgage, student loans, a car loan, credit card balances. Subtract the second number from the first and you have your net worth.
That one number matters more than your salary or any single account balance. It captures the whole picture, and tracking it over months shows whether you are building wealth, paying down debt and growing assets, or moving money around. A negative net worth is common early on, especially with student loans or a new mortgage. The trend is what counts.
How to use this calculator
Pick your currency, then fill in each field with your best current estimate. Put everything you own in the assets column and everything you owe in the liabilities column. The calculator adds up both sides and updates your net worth live as you type, there is no submit button and nothing is saved or sent anywhere. The bar chart below the totals shows your assets against your liabilities at a glance, so you can see how much of what you own is offset by what you owe.
No need to get every figure exact on the first pass. Round numbers work for a first estimate and you can refine them later. The tool runs entirely in your browser and stores nothing, so you can enter real figures, come back whenever you like, and redo the calculation as balances change.
What to include
On the assets side, include cash and savings accounts, investments such as stocks, ETFs, and funds, retirement accounts like a 401(k), IRA, or pension, the current market value of any property you own, crypto, vehicles, and anything else of real resale value. Use realistic market values, not what you paid, a home is worth what it would sell for today, minus nothing (the mortgage goes on the other side).
On the liabilities side, include your remaining mortgage balance, student loans, car loans, outstanding credit card debt, and any other loans or money you owe. The goal is a complete picture, so it is better to include a rough estimate than to leave a debt out entirely.
What counts as a good net worth?
There is no universal target. A good net worth depends on your age, income, cost of living, and where you are in life. A 25-year-old paying off student loans and a 55-year-old near retirement sit on completely different curves, and measuring yourself against one headline figure tells you almost nothing. The honest benchmark is your own trajectory: is your net worth higher than a year ago? For context on your age group, see our guide to average net worth by age, and the step-by-step walkthrough for a deeper method.
Track it automatically over time
This calculator gives you a snapshot. The real value comes from watching that number move month after month, and doing it by hand in a spreadsheet gets tedious fast, especially once you hold stocks, ETFs, or crypto whose prices change every day.
MyMoneyViz does the tracking for you. Enter your holdings once and it fetches live prices in your chosen currency, updates your net worth automatically, and plots the trend over time, no bank login required. Start free, or take a look at the interactive demo first.
Keep reading
A deeper walkthrough of listing assets and debts and avoiding common mistakes.
How your number compares across age groups, and why the averages mislead.
An honest side-by-side of the main tools for tracking net worth over time.
Project how your investments could grow, with fees and taxes factored in.