Net Worth Calculator

What this tool does

Net worth is simply everything you own minus everything you owe, but most simple calculators only give you five or six fixed boxes to fill in. This one lets you add as many line items as you actually have — multiple bank accounts, several investment accounts, more than one loan — grouped into sensible categories, and totals everything live as you type.

How to use it

Under Assets, add a line for each thing you own with real value: cash and savings, brokerage or retirement accounts, real estate, vehicles, anything else worth tracking. Do the same under Liabilities for what you owe — mortgage balance, remaining loans, credit card balances. Every category starts with one row, but you can add or remove as many as you need with the buttons underneath. Your net worth, the assets-vs-liabilities bar, and the category breakdown all update as you go, and "Copy Summary" gives you a clean text version to paste into a note or spreadsheet.

Common use cases

• Getting a real number for a first financial planning conversation or a goal-setting exercise
• Tracking net worth over time by re-running the calculation monthly or quarterly and saving each summary
• Seeing at a glance which asset category is actually driving most of your net worth
• Preparing figures before meeting with a financial advisor, lender, or accountant

Frequently asked questions

What counts as an asset for this calculation?

Anything with real market value you could convert to cash: bank balances, investment and retirement account balances, the current market value of property (not what you paid for it), vehicles at their resale value, and anything else genuinely worth something — not sentimental value, actual resale or cash value.

Should I use the purchase price or current value for real estate and vehicles?

Current market value, not purchase price. A house or car's value changes over time — using an outdated purchase price will throw off the whole calculation, especially for anything financed.

Is a negative net worth a bad sign?

It's common, especially early in a career or shortly after buying a home or finishing school — a big mortgage or student loan balance can easily outweigh assets you're still building. It's a snapshot, not a verdict; what matters more is the trend over time.

Does this save or send my financial data anywhere?

No — every calculation happens in your browser using plain JavaScript. Nothing you type is transmitted, stored, or logged anywhere; refreshing the page clears it, which is exactly why the Copy Summary button exists.

How often should I recalculate my net worth?

Monthly or quarterly is common for people actively tracking progress toward a goal; twice a year is plenty for a general check-in. More often than monthly usually just tracks market noise rather than real progress.