Net Worth Calculator
Add up what you own and subtract what you owe. Nothing here is saved or sent anywhere — it's just quick local math.
Your assets & liabilities Free
Quick answers
What counts as an asset vs. a liability?
An asset is anything you own with monetary value (cash, investments, property, vehicles). A liability is anything you owe (loans, credit card balances, mortgages). Net worth is simply assets minus liabilities — it can be negative, especially early in life or right after taking on student loans, and that's normal.
Should I include my car and home at full value?
Use realistic current market value, not what you originally paid or the outstanding loan balance. A car depreciates over time, so check a valuation tool like Kelley Blue Book for a current estimate. For your home, a recent appraisal or a conservative estimate from a real estate site works better than the original purchase price.
How often should I recalculate this?
Most people find checking net worth quarterly or annually useful for tracking progress without getting anxious over short-term market swings. Since nothing here is saved, you'll need to note your result somewhere (a spreadsheet, notes app) if you want to track it over time.