Net Worth Calculator
Calculate a current net-worth snapshot by subtracting total liabilities from total assets, without sending your figures to a server.
Estimated result
Enter your detailsResults are educational estimates and do not include every fee, tax, or contract term.
Free to use. No account required. Your entries stay in this browser.
Explore the result
Result visual
Scenario comparison
How this net worth calculator works
Formula used
Total assets minus total liabilities.
How to read the result
Use the result as a repeatable dated snapshot, not a score of personal worth. Consistent definitions make changes over time easier to understand.
What the estimate leaves out
Asset values can move, selling costs may reduce proceeds, and some obligations are easy to miss. Use the same valuation method at each review.
Use the result as a starting point, then read how to organize the money categories behind the snapshot. For formula details and test limits, see the calculator methodology.
Track direction, not a single score
Net worth becomes useful when the same categories and valuation rules are used at regular intervals. The category view shows what is driving a change.
Separate the two sides
List owned assets at a reasonable current value and debts at the amount required to satisfy them. Do not subtract a loan from the asset and then count it again.
Check concentration
A positive total can still depend heavily on one property or volatile investment. Compare cash, investments, property, cards, and loans separately.
Record a dated snapshot
Save the category totals and date outside the calculator if you want to track progress. Consistent quarterly or annual reviews are usually more useful than daily changes.
Use realistic inputs
Use current account balances, reasonable resale values, and all known liabilities. Keep the valuation method consistent from one review to the next.
For the definitions and decisions behind these inputs, browse the budgeting learning path.
Verify terms before acting
Consider selling costs, taxes, jointly owned property, guarantees, accrued interest, and obligations not shown on a normal account dashboard before treating the figure as complete.