Net Worth Calculator
Free net worth calculator: add up your assets and debts to see your true net worth and debt-to-asset ratio. Nothing leaves your browser.
What you own and what you owe
Assets (what you own)
Liabilities (what you owe)
Add what you own and what you owe. Rough numbers are fine; the trend matters more than the decimal.
Runs entirely in your browser. Your numbers are saved only on this device (localStorage) — never uploaded.
How this is calculated
net worth = total assets - total liabilitiesdebt-to-asset ratio = total liabilities / total assets
What it assumes
- Assets are valued at what you could realistically sell them for today, not what you paid.
- A negative net worth early in a career is normal and not a verdict on you.
- Nothing is projected forward. This is a snapshot you repeat monthly.
Worked example
In: $8,000 savings, $3,000 car, $12,000 student loan, $1,400 card balance
Out: net worth -$2,400 with a debt-to-asset ratio of 1.22
If a result here disagrees with your own arithmetic, that is worth reporting — tell me and include your numbers.
See your net worth climb every monthTrack savings and debts over time with the Small Business & Personal Finance tools, or start with the free budget template. Get the free budget template →