Your net worth is the single most important number in personal finance: total assets minus total liabilities. Tracking it monthly shows you whether your financial life is moving in the right direction, regardless of your income level.
Use it free in your browser — no account or download required.
Key Features
Fully custom assets and liabilities (add, remove, rename)
Financial health panel — debt-to-asset, solvency and liquidity ratios
50-year net worth projection chart
Milestone tracker — when you will hit $100K, $500K, $1M
Asset and liability donut charts with percentage breakdown
Annual return and annual savings projection inputs
How to Use Net Worth Calculator
Step 1: List all your assets Enter every asset you own with its current market value: savings accounts, checking accounts, investment portfolios, retirement accounts, property equity, vehicles, and any other valuable property.
Step 2: Enter current values for each asset Use today's current value, not the original purchase price. For property, use an estimated market value (Zillow, Rightmove, or a recent appraisal). For vehicles, use the trade-in value, not what you paid.
Step 3: List all your liabilities Enter every debt you owe: mortgage balance, car loans, student loans, credit card balances, personal loans, and any money owed to friends or family.
Update your net worth at the same time every month — the first of the month works well — to track the trend accurately.
Include vested (unvested shares haven't been earned yet) stock options and pension values as assets.
A negative net worth is not necessarily a crisis — a new graduate with student loans and a good income trajectory is in a very different position from someone with consumer debt and declining income.
Frequently Asked Questions
Should I include my home in my net worth calculation?
Yes, but include only your equity: the current market value of the home minus the outstanding mortgage balance. If your home is worth $400,000 and you owe $250,000, your housing asset value is $150,000.
Is a negative net worth bad?
It depends on the cause. Debt from appreciating assets (a mortgage, student loans that led to higher earnings) is fundamentally different from consumer debt. Track the trend — if your net worth is improving month over month, you're moving in the right direction.
Available Plans
Free — Core features available instantly, no account needed
Pro — Unlock AI features, unlimited saves, and PDF/DOCX export
Pro+ — Everything in Pro, plus no ads and advanced AI features