Net Worth Calculator
Assets minus liabilities with saved snapshots to track the trend.
About this tool
Fill in asset categories (cash, savings, investments, pensions, property, vehicles, business) and liabilities (mortgage, loans, cards, student debt). The tool shows net worth, total assets and liabilities, liquid assets and a debt-to-assets bar. Save a snapshot to build a history; everything stays in this browser.
Why net worth is the number to track
Income says what you earn; net worth says whether you are getting ahead, and the two can diverge for years. Tracking it quarterly is the habit financial planners recommend most because it makes every decision โ overpaying the mortgage, buying the car, funding the pension โ show up in one figure. Use current values (what the house would sell for, today's investment balance, the loan payoff amount) and do not agonise over precision: consistency across snapshots matters more than the exact number. A negative net worth early in life with a mortgage or student loans is normal and improves with each payment. This is arithmetic and a record, not financial advice; how to allocate assets is a question for a qualified adviser. Your figures are stored only in this browser and never uploaded โ this is precisely the data you should not hand to a website. The budget planner works on the monthly flow, the savings goal calculator on the next target, the mortgage calculator on the largest liability, and the compound interest calculator on where the investments line goes.
Frequently asked questions
Should I include my home and pension?
Yes โ net worth is everything you own minus everything you owe. The 'liquid' figure separately shows what you could access quickly, which is the number for emergencies.
How often should I update it?
Quarterly is enough to see a trend without noise from market swings. Save a snapshot each time; the table shows the change.
Is my data safe?
It is stored in this browser's local storage only and never sent to any server. Anyone with access to this browser profile could see it; clear it when done on a shared computer.
What is a good net worth?
There is no single answer โ it depends on age, country and goals. The useful comparison is with your own earlier snapshots.