Net Worth Calculator (Free)
Calculate net worth from assets and liabilities, then track monthly progress over time. No login, no storage, free forever.
Calculator results
Assets
Liabilities
Enter zero or a positive amount in every asset and liability field. Results are unavailable until the inputs are valid.
Your Net Worth
$0
Total Assets
$0
Total Liabilities
$0
Debt-to-Asset Ratio
0%
Liquid Assets
$0
Asset Breakdown
Liability Breakdown
How this net worth calculator works
Method and assumptions
Net worth = total assets − total liabilities. Total assets adds the five asset fields; total liabilities adds the five debt fields. Debt-to-Asset Ratio is total liabilities ÷ total assets × 100 (shown as 0.0% when total assets are zero). “Liquid Assets” is only the Cash & Savings plus Investments subtotal; it does not subtract debt or test whether an investment can be sold quickly.
- Enter all balances as of the same date and in one currency. The currency selector changes display formatting; it does not convert exchange rates.
- Use reasonable current values for assets and outstanding balances for liabilities. The calculator accepts the figures entered and does not independently value property or verify accounts.
- Negative net worth is a mathematical result, not a credit score, solvency decision, investment signal, or comparison with people of a similar age.
Worked example and interpretation
Using the starting entries, assets total 400,000 (15,000 + 50,000 + 300,000 + 25,000 + 10,000) and liabilities total 250,000 (200,000 + 15,000 + 30,000 + 5,000 + 0). Net worth is therefore 150,000, the debt-to-asset ratio is 62.5%, and the displayed Liquid Assets subtotal is 65,000. These figures describe that one snapshot; a later increase can come from higher asset values, lower debt, or both, so compare like-for-like entries before interpreting a trend.
Limitations and sources
The model does not adjust for ownership shares, selling costs, taxes, currency movements, asset volatility, pensions not entered, contingent liabilities, or the timing and priority of debts. Results are educational estimates, not accounting, valuation, legal, tax, investment, or personalized financial advice.
Public-authority reference: the U.S. Securities and Exchange Commission's Investor.gov “Figure Out Your Finances” guide describes a net worth statement as what you own minus what you owe. It is provided as general background; this calculator is not affiliated with or endorsed by the SEC.
Methodology reviewed and worked example recalculated: . Related tools: Savings Goal Calculator and Debt Payoff Calculator.
Frequently Asked Questions
Add all assets you own, subtract all liabilities you owe, and the result is your net worth. Repeating the calculation monthly makes it easier to see whether you are building wealth or just shifting balances around.
It adds Cash & Savings and Investments. It does not subtract debts or assess how quickly an investment can be sold, so use the label as a category subtotal only.
No. The calculator uses only the asset and liability values entered. It does not request age or provide population benchmarks.
It is total liabilities divided by total assets, expressed as a percentage. If total assets are zero, the calculator displays zero rather than dividing by zero.
Monthly updates are ideal because they show trends without overreacting to short-term market movements. If your finances are simpler, quarterly updates can still give you useful direction.
Yes. The calculator is free, no-signup, and runs in your browser without storing personal entries. That makes it easy to review assets and debts privately.