Net Worth Calculator

Net Worth Calculator adds up what you own, subtracts what you owe, and shows the composition of both. It is the single most useful personal finance number there is, and the one people track least, because income is visible every month and net worth only changes slowly.

The composition matters as much as the total. A net worth that is almost entirely the equity in a house is a different position from the same figure held in savings and investments, because the first cannot be spent without moving. That is why the liquid figure is shown separately: it excludes property and vehicles and answers the question of what you could actually reach.

Debt as a share of assets is the stress measure. Below about a third is comfortable for most households; above a half leaves little room for a fall in asset values or a rise in rates. The ratio is more informative than the absolute debt, because a large mortgage against a large asset is a different thing from the same debt against nothing.

This is arithmetic, not financial advice. It tells you what the numbers do; it cannot tell you whether a decision is right for your circumstances. Fees, taxes and local rules vary, so check anything that matters against the actual offer and speak to someone qualified before committing.

Everything is worked out inside your browser. Nothing you enter is uploaded, logged or stored, which matters for the financial calculators in particular: the figures you put into them are nobody else's business.

• Shows net worth, total assets, total liabilities, debt to assets and liquid net worth together, so you are not running it twice
• A results table you can read across
• Updates as you type, with no button to press and no page reload
• Copy the result in one click
• Free, no sign-up, and it runs entirely in your browser

The net worth calculator is used by writers, developers, students, marketers and anyone else who needs the job done once without installing software. Common cases include:

• Taking a yearly snapshot to track progress
• Seeing how much of your net worth is tied up in property
• Working out your position before applying for credit
• Checking the effect of clearing a loan on the overall picture