Net Worth Calculator
Calculate your net worth by tracking assets and liabilities. Build a complete personal balance sheet with category breakdowns and debt-to-asset ratio analysis.
Assets
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Liabilities
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Category Tracking
Organize assets and liabilities by category for detailed insights into your financial composition.
Visual Breakdown
See percentage breakdowns with visual charts showing how your assets and liabilities are distributed.
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All calculations happen in your browser. Your financial data never leaves your device.
Frequently Asked Questions
What is net worth and how do you calculate it?
Net worth is the total value of your assets minus your liabilities. It's calculated as: Net Worth = Total Assets - Total Liabilities. Assets include cash, investments, real estate, and vehicles. Liabilities include mortgages, loans, and credit card debt.
What should I include in my assets?
Include all valuable items you own: cash and savings accounts, investment accounts (stocks, bonds, retirement accounts), real estate properties, vehicles, and other valuable possessions. Use current market values, not purchase prices.
What counts as liabilities?
Liabilities are all debts you owe: mortgages, car loans, student loans, personal loans, credit card balances, and any other outstanding debts. Include the current balance owed, not the original loan amount.
What is a good debt-to-asset ratio?
A debt-to-asset ratio below 30% is generally considered healthy, meaning your debts are less than 30% of your total assets. Below 20% is excellent. Above 50% may indicate high debt levels that need attention.
How often should I calculate my net worth?
It's recommended to calculate your net worth at least quarterly or annually to track your financial progress. Regular tracking helps you make informed financial decisions and see trends over time.
Is my financial data private?
Yes! All calculations happen entirely in your browser. Your financial information never leaves your device or gets sent to any server, ensuring complete privacy and security.