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Free Net Worth Calculator

Add up everything you own and everything you owe to see your net worth instantly. 100% private—nothing leaves your browser.

Assets (What You Own)

$
$
$
$
$
Total Assets$0

Liabilities (What You Owe)

$
$
$
$
$
Total Liabilities$0

Your Net Worth

$0

100% private. All calculations happen in your browser. Nothing is stored or sent anywhere.

How to Calculate Your Net Worth

The formula is simple: Net Worth = Total Assets − Total Liabilities. Add up the value of everything you own (bank accounts, investments, property, vehicles) and subtract everything you owe (mortgage, loans, credit card balances). The result is your net worth—a single number that represents your overall financial position.

For a deeper walkthrough with examples, see our step-by-step net worth tracking guide.

What to Include in Your Net Worth

Assets include checking and savings accounts, retirement accounts (401k, IRA), brokerage accounts, real estate (use current market value minus nothing—mortgage goes in liabilities), vehicles, and any other items with significant resale value.

Liabilities include your mortgage balance, student loans, auto loans, credit card balances, personal loans, and any other debts. For a complete breakdown, read our guide to assets vs. liabilities.

Why Track Your Net Worth Over Time

This calculator gives you today's number. But a single snapshot only tells part of the story. Tracking your net worth over weeks and months reveals trends—are you building wealth or losing ground? Regular tracking helps you build better financial habits and stay motivated toward your goals.

Frequently Asked Questions

Is this calculator private?

Yes. All calculations happen entirely in your browser. Nothing is stored, sent to a server, or shared with anyone. There are no accounts, no cookies, and no tracking of any kind.

How is net worth calculated?

Net worth equals your total assets minus your total liabilities. Assets are everything you own that has monetary value. Liabilities are everything you owe.

How often should I calculate my net worth?

Most financial advisors recommend monthly. Use this calculator for a quick check, or download CustomWorth to track your progress over time with snapshots and charts.

Track Your Net Worth Over Time

This calculator gives you a snapshot. CustomWorth gives you the trend. Free, offline, and completely private.

Download CustomWorth