Net Worth Calculator
Add up what you own, subtract what you owe, and see your real financial picture in one number. Everything stays on your device — nothing is saved or sent anywhere.
How this works
Net worth is the simplest, most honest snapshot of your finances: everything you own minus everything you owe. Add up your assets — cash, savings, investment and retirement accounts, your home, vehicles, and anything else of value — then subtract your liabilities, like your mortgage, auto and student loans, credit cards, and other debts. What's left is your net worth.
A negative number isn't a failure or a verdict on you — it's common early in life when student loans or a new mortgage outweigh young savings. The point of measuring it isn't to win a one-time score; it's to watch the line move over time.
Net worth FAQs
Everything you own (assets) minus everything you owe (liabilities). Assets include cash, savings, investment and retirement accounts, your home, vehicles, and other valuables. Liabilities include your mortgage, auto loans, student loans, credit card balances, and any other debts. Use realistic market values, not what you originally paid.
Yes — your home's current market value is an asset and your mortgage is a liability, so both belong here. Just keep in mind a house isn't easily spendable, which is why many people also track liquid net worth that leaves the home out entirely.
It varies enormously by income, cost of living, and life stage, so treat any benchmark as a loose guide. A common rule of thumb is roughly one year's income in net worth by 30 and a few times income by 40 — but two people with identical jobs can land in very different places for perfectly good reasons. Compare yourself to your own past more than to anyone else.
Quarterly is plenty. Checking daily just turns normal market swings into stress; revisiting every few months shows the real direction of travel without the noise.