See where you stand financially. List what you own and what you owe, add your own categories, and the calculator shows your total assets, total debts and your net worth. A negative result is perfectly normal and still useful. Everything stays in your browser — nothing is sent to our server.
| Asset | Value today |
|---|
| Debt | Amount owed |
|---|
Net worth is one of the simplest and most useful numbers in personal finance. List everything you own and give each a realistic value today. Then list everything you owe. Subtract the debts from the assets, and that is your net worth.
Example. Assets of 100,000 — say 20,000 in savings, 30,000 in investments and a 50,000 car and belongings — with 35,000 of debt give a net worth of 65,000. If the debt were 130,000 instead, the net worth would be −30,000, which is still a useful starting point.
A single number tells you where you are today. The real value comes from checking it every few months. A rising net worth means your assets are growing faster than your debts. To plan the spending that feeds into it, try the Monthly Budget Planner.
It is everything you own (your assets) minus everything you owe (your liabilities). It is a single snapshot of your financial position at one moment, and tracking it over time shows whether you are moving in the right direction.
Use today's estimated value for assets — what a home, car or investment would be worth now, not what you paid. For debts, use the amount you still owe today.
Not necessarily. Many people have negative net worth early on, for example with a student loan or a new mortgage. What matters is the trend over time as you pay down debt and build assets.
It stays only in your own browser on this device, so you can come back to it. Nothing is sent to our server. On a shared computer, use "Clear everything" when you finish, and turn on Private mode to blur the figures on screen.
It is your total debts divided by your total assets, shown as a percentage. A lower number means more of what you own is truly yours. If you have no assets yet, it is shown as N/A rather than a divide-by-zero error.
A calculator gives you one answer. A cashbook shows you the whole picture: write down cash in and cash out, see where the money goes in charts and on a calendar, and share a ledger with your family, team or friends.
This takes a few seconds.
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