Net Worth Calculator

Add up the current value of everything you own, then subtract everything you owe. With $402,500 of assets and $272,300 of debts, net worth is $402,500 − $272,300 = $130,200.

Yes, at what it would sell for today, and include the mortgage as a liability so only your equity counts. Some people also track net worth without the home, because you can't easily spend it. In the example, leaving out the home and its mortgage gives $55,200 instead of $130,200.

Include it at its resale value — what a buyer would pay today, not what you paid — and include any car loan as a liability. Cars lose value every year, so update the figure when you save a snapshot.

Yes, at the current balance. Strictly, money in a 401(k), IRA or pension pot may be taxed when you take it out, so some people knock off an estimate for tax. Whatever you choose, do it the same way each time so snapshots stay comparable. The liquid net worth figure leaves retirement accounts out.

Here it means cash and savings plus non-retirement investments, minus every debt except the mortgage — a rough view of what you could reach quickly. In the example that is $23,500 − $27,300 = −$3,800, even though total net worth is $130,200.

There's no single good number: it depends on your age, income, where you live and how long you've been saving. Comparing yourself with your own past snapshots is more useful than comparing with averages. A rising net worth and a falling debt-to-asset ratio are both signs you're moving the right way.

Yes. It's common early in a career, especially with student loans or after buying a car on finance. A negative number just means you owe more than you own today; tracking it shows whether the gap is closing.

Monthly or quarterly is plenty for most people; daily market swings are noise. Save a dated snapshot each time and the history shows the change since the last one. In the example, six months of saving and paying down debt raise net worth by $10,300.

Total liabilities divided by total assets. In the example it's $272,300 ÷ $402,500 = 67.7%, so debts equal about that share of everything owned. A falling ratio means you own more of your assets outright.

Usually not. Household goods, clothes and electronics sell for far less than they cost, and valuing them inflates the total. Include valuables only if you would actually sell them and know roughly what they'd fetch, under Other assets.

Nothing is uploaded. The sheet and any snapshots are saved only in this browser's local storage on this device, so other devices and browsers can't see them and clearing site data deletes them. Use Export JSON to keep a backup and Import JSON to restore it.