How to use Net Worth Calculator
- List assets (cash, investments, property, etc.).
- List liabilities (loans, cards, mortgages).
- Review net worth as assets − liabilities.
Worked examples
Concrete numbers and cases you can check against the tool above.
Simple household snapshot
Assets: $42,000 checking/savings, $18,000 car, $8,000 brokerage. Liabilities: $12,000 student loan, $6,000 card. Net worth = 68,000 − 18,000 = $50,000. Include the mortgage as a liability and the home as an asset if you want a complete picture; omitting one side lies to you.
When to use Net Worth Calculator
Assets minus liabilities is the clearest snapshot of financial position. A private browser balance sheet encourages honest totals without uploading to a fintech app.
Common use cases
- Annual net-worth check-in for a household.
- Combine accounts after marriage for a shared view.
- Track progress while paying down student loans.
- List assets and debts before meeting an advisor.
Inputs and outputs
- Currency amounts for assets and liabilities
Privacy
This tool runs entirely in your browser. Your data never leaves your device — nothing is uploaded to our servers.
Frequently asked questions
- What counts as an asset?
- Things you own with value: bank balances, investments, vehicles, home equity-related values you choose to include, etc.
- Should I use market value?
- Use realistic estimates. For homes and cars, a conservative market value is usually better than purchase price.
- Do you store my balance sheet?
- No. It stays on your device.