Free Net Worth Calculator — what are you worth today?
List what you own, list what you owe, and instantly see your net worth and debt-to-asset ratio. Everything runs right here in your browser — nothing is saved or sent anywhere.
Net Worth Calculator
Your net worth is simply everything you own minus everything you owe. Fill in the fields below — every figure recalculates as you type. Amounts are shown without a currency symbol, so it works in any currency.
Assets — what you own
Checking, savings, emergency fund
Stocks, ETFs, bonds, funds
Current market value of your home
Retirement savings you own
Crypto, vehicles, valuables, etc.
Liabilities — what you owe
Remaining mortgage balance
Student, car or personal loans
Outstanding card balances
Anything else you owe
Net worth
—
Total assets minus total liabilities
Total assets
—
Everything you own
Total liabilities
—
Everything you owe
Debt-to-asset ratio
—
Liabilities as a share of assets
A one-time snapshot of today — nothing is stored or tracked over time. Not financial advice.
The math behind the calculator.
Assets minus liabilities
Net worth is the simplest number in personal finance: add up everything you own, subtract everything you owe. No models, no assumptions — just an honest snapshot of where you stand today.
Debt-to-asset ratio
Total liabilities divided by total assets, shown as a percentage. Below 50% means you own more than you owe relative to your assets — the lower it gets, the stronger your financial position.
A snapshot, not a tracker
This tool shows today’s picture and nothing more — it doesn’t save your numbers or chart them over time. For monthly tracking with a trend graph and dashboard, there’s the Net Worth Tracker template.
Good to know before you calculate.
Does this track my net worth over time?
No — this free tool gives a one-time snapshot of today. Nothing is stored, so for month-over-month tracking you'd need to re-enter your numbers or use the paid Net Worth Tracker template.
What counts as an asset vs. a liability?
Assets are anything you own with value — cash, investments, property. Liabilities are what you owe — mortgages, loans, credit card debt. Net worth is simply assets minus liabilities.
Is my financial data saved anywhere?
No. The calculation happens entirely in your browser and nothing is sent to a server or stored.